vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: PR

Complaint narrative:
The IC System Inc. company reported a collection account in the Credit Report. This one comes from XXXX. The account number shown is XXXX. They allege that this server has an account with them in Nevada that was left unpaid. 

Currently this is affecting my credit ; and on several occasions I have asked IC Systems to send me evidence of this account. Which they haven't done. Or that they prove to that I am the person who owns the account. These allege that I apply for the same in Nevada. I have never lived in Nevada, much less applied for an account with Spectrum. 
I have been living in XXXX XXXX since I was born. 

I will be very grateful for anything you can help me with. My email address is : XXXX, my name ; is XXXX XXXX XXXX. 

I will be at your disposal for any question or doubt in this regard.

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 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2021 at XXXX PM just as my daughter was to be arriving at her home in XXXX XXXX after visiting her brother & me in our home in XXXX XXXX, I received a call from a XXXX #. On the other end of that call was my daughter crying hysterically that she'd been in an auto accident. Then a man came on the line stating that she was fine but was in an accident with the wrong person ... claiming he was in the XXXX XXXX. To make this long story, he proceeded to tell me what to do if I ever wanted to see her again. I withdrew cash & attempted to send him {$2500.00} @ XXXX XXXX. The transaction failed because fraud was suspected. Then I went to XXXX XXXX to send a MoneyGram & discovered I'd lost my ID in my nervous frenzy. He told me to pay a stranger to send it for me, so I did. I was instructed to tell him I had a relative in XXXX XXXX XXXX XXXX  XXXX. He sent it for me & brought me the receipt w/the transaction # on it. Just as I was about to read it to the perpetrator, my daughter texted me. I hung up on him & ran through the store to find the guy who sent it for me to tell him it was a scam & get my money back. XXXX XXXX told me I had to file a police report & go through a process which I did, but that was not the case. Now my $ is tied up ( no one received it ), & MoneyGram will do nothing even though I sent them a huge file with everything documented. They could clear it up by calling the person who I paid {$200.00} to send the {$2500.00} MoneyGram on my behalf after misplacing my driver 's license but have neglected to do so. I'm so grateful that my daughter is okay, but it was very convincing, & I lived in a border town for 35 years & these things actually happened. It was the most terrifying day of my life. All is well now, but I would like to have my {$2500.00} back. I have tons of personal/financial documentation & receipts I can provide you when you request them. I pray that you can help me with this terrible dilemna.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
i started using Robinhood around last XXXX, I started using and slowly by slowly it got up to {$36000.00}, time passed by and I wanted to withdraw my money from the app but it wouldnt let me fully completed my transaction. My wife also tried to withdraw the money from the app Robinhood but instead she accidentally deposit another {$36000.00} around there and with the cents and everything it adds up to {$72000.00}. Around the end of XX/XX/2021, I realized it was becoming serious because Ive waited a month to see if the app will ever unrestricted my account but they never did. I went online and made research to see if I can find Robinhood Customers service number as I couldnt find it in the app. My wife had found a number and handed it to me. We called that number and she said that she was from Robinhood, she and I worked for XXXX weeks, she made me XXXX money to these random people, trying to make me send $ XXXX to XXXX, then I had an instinct that this was a scam so I made a fraud report to my bank. My bank got everything back for me except the fact the {$72000.00} they said they cant help me with that and suggested I should talk to their employee. As Time pass by Ive found Robinhood official customer service number in the app. I requested a phone call and even they said the first person that I called was a scammer. Robinhood said their security were tight when it comes to talking with customers so they said theyll require me to email them, my ID, social ( back and front ), also bank statement and so on. Ive send them everything. My XXXX to XXXX attempt of calling them, they kept saying they havent receive my information of the requirements documents so but as I was impatient, I kept talking back to them and they said theyll look into it more, XXXX mins later they told me theyve found it. Then I made an official claim with a case number. Three weeks passed by. EVERY SINGLE time they kept telling me it is getting reviewed by the reviewing teams, I said give me their number so that I can keep in touch with them as I want to personally ask them whats taking them so long? The employee replied with were sorry sir but the reviewing team dont have numbers for customer and their only way for them to communicate with others is through email. he continued, Ill put this into an account and send them over again. Its been 2 weeks yet. Im not getting no where and I attempted to call them last week Saturday around XXXX and they said they need me to send them the require documents over again. I went to my bank two weeks before and the banker suggested I make complaint to consumer fianc as you guys can help me get my money back faster and gave me the link. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Please Help Me with this crucial situation, I have been paying on this loan since XXXX, I am a widow, and on Social Security, My Credit Report shows what., One Main Financial, has fraudulently been taking and taking $ $ $ from me! 6 years, I have. Pd. For 3 cars by now, I have not been able to get out, b/c, of the pandemic One Main in XXXX, IN., all last year harassing calls every day, when I made all payments, Adding new loans and inventing new ones, it shows on my credit report., example : on XX/XX/XXXX ( unsecured what, never pd {$89.00} for. No loan nor signed a document for this I have pd and pd. I can not pay this no more, please help me, I go on line to look at all my statements and it does not show all payments that I have made?? Never refinanced with One Main, XXXX $ ever Month!! I have or will show if need to ALL PAYMENTS probably amounting to 25,000 or more!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 XXXX EXPERIAN XXXX XXXX  XX/XX/2021 Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian

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 2022-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This complaint is against capital one credit card services. In XXXX of XXXX, I sent a written notification to capital one of billing errors that appeared on my statement printed XX/XX/XXXX. This is as directed per the instructions on my statement. The notification was sent to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX You were notified in writing in XX/XX/XXXX as to billing errors discovered on my statement. No response was ever received. 

You were again notified in writing in XX/XX/XXXX of billing errors discovered on my statement. No response was ever received. 

You were notified again in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

The card ending in XXXX was not deactivated until XXXX of XXXX. 

No response was received for any of the written notifications sent in regards to this account within the specified time period specified. 

You first responded as to the outcome of the Identified billing errors investigation at the end XX/XX/XXXX. 

My phone calls were met with extreme resistance and extreme repetitiveness, creating overall confusion as to why and what all had been included in the disputes. The subsequent fraud case which was opened unbeknownst to me was deemed closed in XXXX. 

The response I was given over the phone was that it was my fault I continued to pay for the outstanding charges on my bill that were valid and that nothing would be done further. Despite capital one never canceling the card or providing any fraud protection of any kind. I was not aware the charges had not been reversed and continue to use the card as normal having never received any written notification or further instructions. 

Additional correspondence received in XX/XX/XXXX informing me of additional charges added to the case ending in XXXX. XXXX correspondence previously stated this case as closed. 

This is a demand for remedy for the outstanding refund owed to me in the amount of {$11000.00}. 


Copies of all written notifications sent to capital one have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This account with BANK OF AMERICA with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

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 2022-02-21 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: AL

Complaint narrative:
I have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: AL

Complaint narrative:
I have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by 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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report

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 2022-02-21 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: CT

Complaint narrative:
UPDATED INFORMATION as of XX/XX/XXXX EQUIFAX has violated me multiple times and is liable for damages. Good Faith in the banking system is dependent upon proper and accurate credit reporting and EQUIFAX has cause me to lose faith in the banking system. I am no longer willing to extend my credit as the original consumer and creditor if this matter is not solved and payment has been made. 

EQUIFAX had furnished a unauthorized inquiry on my reputation that i have disputed in XXXX and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction this states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX allowed inaccuracies to be furnished on my consumer report. This act of Ill Will has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-21 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified of a fraudulent purchase on my Goldman Sach 's Apple Card. I requested that card be shut down and have a new one issued. On the morning of XX/XX/XXXX I noticed approximately XXXX on my credit card all in huge chunks of XXXX plus transactions in Florida and NY. I live in Ca and never traveled to those areas. I called XXXX and spoke with XXXX ( they do not release last names ). I was told she was a supervisor and she placed disputes for all these transactions. During the entire month of XXXX I continually called XXXX to confirm updates on all this ( To date I've called XXXX XXXX ). On XX/XX/XXXX, I spoke with another supervisor, XXXX ( I believe ). I completely paid off all my transactions and the entire account was closed and he said settled. Fast forward to the first week in XXXX when I received a bill from XXXX. Since this bill I've called easily over XXXX and keep getting the run around. First, no one will let me deal with just one person as this is a lengthy scenario. Second, every supervisor I speak with tell me different things on what's NOT resolved or resolved. I have over 40 emails to document the transactions resolved. On XX/XX/XXXX, I was told by " XXXX '' some of the transactions XXXX said were resolved with emails, are NOT resolved and I still have an outstanding bill with payment due on XXXX. The payment as of then ( NOT SURE IF ITS changed again ) was the result of interest/cash back ( FROM all the fraudulent purchases that I NEVER received in my apple cash since I shut the entire account down ). I have since contacted the XXXX  ( case # XXXX ), FTC ( case # XXXX ) and filed an identity theft report ( Con # XXXX ) and placed a fraud alert on my account thru XXXX. It has been over 90 days now and I can not find anyone within XXXX to solve these matters and end this investigation. Nothing was ever ordered by me, delivered to me, nor have i ever been to Florida or NY. And the administration of this credit card not catching this going on and not handling promptly is extremely frustrating to say the least. I have zero other evidence other than people who saw me in XXXX XXXX on these dates and times and if one were to check with XXXX it would who i've never traveled to any these states. Nor was anything ever sent to me at my home address. I have never had any issues with other credit card companies if one fraudulent charge came thru, which they would catch and call me. To let over XXXX charges hit my account, lots within minutes or seconds and in same increments at times, is beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have communicated with Experian on XX/XX/2022 by sending them a letter via certified mail. I submitted a complaint on XX/XX/2022 and the complaint ID is XXXX. In that letter I told them to send my credit FILE, not credit report. They have ignored that and responded to the complaint saying they are sending me report for review.

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