vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood cash account showed a balance of XXXX XXXX Went to a store to make a purchase for XXXX XXXX XXXX was declined. Now the cash account shows a balance of XXXX XXXX 

XXXX does not even show correct values in their app on their saving product. I very strongly suspect they are commiting fraud on the brokerage side with regard to margin calls and " account deficit '' notifications and trading restrictions. 

I would like a full list of every margin call and account deficit/ trading restriction that I was issued over the life of the account, and an explanation as to how it was calculated and how they derived the usd value of the securities. 

When I called robinhood for this information I waited on hold for 40+ minutes and was then hung up on twice. Additionally you can not just call them, you have to go through the app to schedule a call which is then routed to a third party .... very obnoxious... 

They are dodging my questions and acting very suspicious... 
I suspect this is related to XXXX XXXX XXXX. 

Lastly, they will not let you speak to them without the conversation being recorded, but if I want to record my own copy of the conversation, they immediately hang up...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have applied for Public Service Loan Forgiveness and submitted all required documentation. I have met all requirements to have my loans discharged under the PSLF waiver. My payment counts have not updated since XX/XX/2022 despite multiple attempts at contacting Mohela to have my payment counts updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, All information must be XXXX percent accurate on my report. 

The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. 


XX/XX/2023

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 2023-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an XXXX XXXX account added to my credit report from capital one for a XXXX XXXX XXXXhat the VIN indicates was written off from a collision, I did not apply for any auto loan from capital one. The said vehicle was an old vehicle that was repossessed and XXXX by a different financial institution about 20 years ago. Someone is XXXX  reporting this account with capital one and to other businesses. This scammer is making false reports about me to federal and state agencies. I have contacted capital one and requested the contract signed my me. They do not have details to provide me over the phone instead they are trying to collect on an illegal account that was entered into their system by a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Purchased home in 2009 had loan with Wells Fargo many years but extra pmt made was never reflected towards principal. Finally refinanced out of Mtg loan with them. I also financed a new car with them they added an insurance on their own causing me to have lates on credit. This ruined my credit for years and I was unable to fix for a while.

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 2023-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Lender relabeled a mortgage as a " Home Equity Installment Loan '' and are telling me that, for example, that they are applying {$730.00} for my XX/XX/2023 payment to my Outstanding Principal, yet they show on my XX/XX/2023 account statement that they only applied {$440.00} to my account principal for XX/XX/2023. 

The numbers are wrong and it was supposed to be a mortgage. The difference has amounted to more than {$15000.00} so far. T The lender is PNC BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Disputed charge on XX/XX/XXXX in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item on XX/XX/XXXX. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. A large amount of evidence including a returned package tracking number form XXXX was provided on multiple occasions.

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abbott Osborn Jacobs PLC
State: MO

Complaint narrative:
XX/XX/2023 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IA XXXX XXXX collecting for XXXX XXXX XXXX XXXX who was collecting for XXXX XXXX I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2023-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo customer for XXXX tried refi va loan- loan modification

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I used my social security XXXX XXXX card to retrieve my money from my local capital one banks atm machine. I entered the amount and it said the transaction was complete and proceeded to dispense my money, but the cash door kept repeatedly opening and closing and then a message popped up on the screen saying withdrawals are unavailable at this time. It never gave me my withdrawal. I preceded to go inside the bank and they gave me a XXXX number to call about the issue. They told me to contact my bank and I did so. They were supposed to mail me a paper to dispute this transaction and I still havent heard anything. This happened on XX/XX/XXXX of this month. I am just wanted the atm responsible to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I sent Credit Acceptance a tender of payment in the form of remittance transfer from your very own payment book that you provided, XXXX XXXX payment ( 15 USC 1693o-1 REMITTANCE transfers ) by certified mail to which you indicated in the first complaint response, that you do not honor legal tenders as well as never sending them back to me, if in fact you claim that you did not redeem. ( 18 US code section 1951 ) Which also proves that your inaccurately reporting that you received no payment is a complete deception. ( UCC section 3-306 ; UCC section 3-307 ). Credit Acceptance continues to insult my knowledge of the Federal Law, Consumer Law as well as Color of Law and Private Law. Fist violating my rights to " '' no obligation to a debt that was fulfilled by my very signature as principal. HJR 192 PUBLIC LAW 73-10. Violation of 15 USC 1611. Credit Acceptance is trying to cover up the fact that XXXX XXXX XXXX committed fraud in several aspects. I have proof for the IRS that I indeed was given another consumer 's transactional receipts and contract. I also have proof that there was no email sent to me with the original contract from XXXX XXXX. They only send a copy of the warranty. I can prove that I never received a copy of the original contract as XXXX XXXX XXXX claims. XXXX XXXX was sent a copy of the information they provided me with which was not a copy of my original contract from our consumer transaction along with my rigjghts ( 15 USC 1692 ( g ). 15 USC 1692 ( e ) 15 USC 1629 ( s ). You were paid and my car should not have been stolen, 18 USC 8 FCA.USC 1692 ( e ) and the 4th amendment.15 USC 1605.Credit Acceptance violated my rights as a consumer and as the living authorized representative of my living being.

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 2023-02-08 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, this is regarding a withdrawal on my California EDD credit card that I did not commit. Bank of America is refusing the credit back the money citing that the withdrawal is over 90 days old and that I did not file a police report. Their system shows this was a teller cash withdrawal with reference number XXXX. 

I only discovered this unauthorized withdrawal on XX/XX/XXXX when I received a new EDD card from Bank of America. I always have the existing EDD card with me all the time in my home and used it only once. This unauthorized withdrawal occurred on XX/XX/XXXX for {$9200.00}. 

I have spoke to Bank of America 3 times. On XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. The claim number is 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 2023-02-08 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed I had a charge on my Wells Fargo credit card for {$780.00} from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' that was charged on XX/XX/XXXX and since I did not use my card at all while I was in XXXX I go ahead and submit a claim online ( this was on XX/XX/XXXX ). I hear nothing from them within a week so I call them and the person I talked to tells me that they will ask the merchant for a receipt and if they don't reply within a month I automatically win the dispute ... .a month passes and nothing still, so I call again and this time they tell me they have to forward the matter to fraud team..a week later I get a letter telling me " they determined there was no fraud because the card was in my possession. '' and so I call again and same exact outcome, they open a new case forward it to their fraud team and and they send a second letter with the exact same answer. Another thing to point out is that when the charge was made on XX/XX/XXXX, Wells fargo did Not flag or stop the purchase even though it was such a big amount and it was done in another country.

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 2023-02-08 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: TN

Complaint narrative:
As per mandatory by the FCRA 611 ( 15 u.s.c 1681 i ) consumer reporting agency shall notify the consumer of the REINSERTION in writing not later than 5 business days after REINSERTION.I WAS NEVER NOTIFIED OF THE REINSERTION!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Violation of The No Surpise Act!

UNAUTHORIZED INQUIRIES THAT WAS MADE WITHOUT MY CONSENT! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: ID

Complaint narrative:
I opened this card in XX/XX/XXXX since then I've had 3 payments to make XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. In both XXXX and XXXX of XXXX I have received numerous phone calls and text messages from the company stating to call them immediately regarding my account. The exact message reads " It is important you contact us regarding your XXXX XXXX. Click ( link to payment website ) or call us at XXXX. '' Not to mention the numerous phone calls from " potential spam '' numbers if my payment is not made or scheduled by the 8th of the month. However my due date is the 11th of the month. I contacted them today before filling out this form to complain and state that I did not want any more of these types of messages unless my payment is past due or missed. The person on the end of the phone just kept asking how I was going to make the payment and when I was going to make the payment as well as giving me my payment options before saying " I'm making a note of these payment options on your account '' not really taking what I was saying and doing anything with it. At this point I feel they are doing debt collecting practices on something that isn't even in collections.

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 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
i have do everthing i post compaint here 2 times but still paypal is not doing anything help me in that case the problem is same company is not ready to listen they are scamming peoples

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a Well Fargo Checking, savings, and Credit card. I haven't received my paperwork since their settlement Wells Fargo agrees to a {$3.00} XXXX settlement with CFPB over consumer abuses. I have had these accounts since XXXX-current. No information from Wells Fargo or any reach out to myself for they actions during my time 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 2023-02-08 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: LEXISNEXIS
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third  party being involved. LexisNexis is furnishing tradelines on my consumer credit file that is a result of aggravated  identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you Lexis Nexis, XXXX, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4  days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello Cfpb, I wan na ask help to restore my account back As of XX/XX/XXXX, After i converted the euro to peso, without withdrawing it yet my account got limitation again. with reference ID : XXXX.

Company response to consumer: Closed with explanation