vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}

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 2020-05-27 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}

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 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have spoken with Money Lion about this several times and they have not provided a response. 

1.I have tried to cancel mymonthly membership wuth money lion but they say I have to keep the money membership that costs {$20.00} if I have a loan with them. They refuse to cancel the membership. 

I have not been able to find any of this information in the loan documents and when I ask where the info is located I get told it's on moneylion.com and that's it. 


2. They also reported the loan 30 days past due. On there online app it shows the account paid as agreed but they still reported ... 

I also have maid multiple payments on a due date that do not reflect on there online app.. 

3. They also say that once I pay off the loan the will hold XXXX in escrow until I pay all monthly membership fees..this is is in none of the papper work I signed. 

... I filed an internal complaint to remove the late notice from my credit as the loan always shows current and asked they cancel my membership but they wont do these things ... can you please help. 

I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I was alerted by my XXXX  credit app there was a collection placed on my credit from AFNI for XXXX XXXX XXXX XXXX  for {$560.00}. 
I did NOT receive any call or correspondence to notify me. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX spoke to Employee ID XXXX. I provided him the tracking numbers for the equipment returned on XX/XX/XXXX. He confirmed seeing the items received by XXXX XXXX XXXX   on XX/XX/XXXX and indicated I should not have any charges and they would mark for review and call me in 24-48 hours. They never did. 

I called AFNI on XX/XX/XXXX at XXXX spoke to a woman who did not have a employee #. I explained to her what XXXX XXXX XXXX  said. That this is inaccurate and I was not notified and wanted this resolved and removed from my credit. She said they would mark it " paid '' if I paid it that day. I continued to reiterate I was not legally notified and it was inaccurate. When I asked her what day they mailed me a notice she said " I see the letter was suppressed and it did not go out. I will request deletion from the credit bureaus '' I requested a letter in writing confirming that she said they would mail one. 
To date I have not received a deletion letter and it is still on my credit. On XX/XX/XXXX I received the first and only notice of collection. Still trying to collect the account regardless of my disputes and proof of tracking numbers. 

Neither party has done what they said and rectified this matter and my credit has not been corrected per the conversations. I have not had XXXX XXXX since XXXX and once I returned the equipment I was never notified of anything since. In accordance to federal Fair Credit Reporting Act 611 I am disputing the information and also reporting violation of the lack of notification prior to putting the erroneous account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Company Dealing With : Robinhood Brokerage Firm I have been trying to withdraw funds from my Robinhood brokerage account since XX/XX/XXXX. It has been saying account withdrawal disabled SINCE XX/XX/XXXX, this is because of a previously returned deposit from my bank account to my Robinhood account. I have been emailing their customer support to remove the restriction since XX/XX/XXXX. They say that they will respond inn1-3 business days. It has now been 8 business days with no response. Ive been in touch with their support account via XXXX which told me to direct message them and then said somebody would get back to me and its been an additional 36 hours since that happened with STILL no response. From my search on XXXX  and other platforms I am not the only one unable to get any type of response from their support team and there are others with the same exact restriction problem. I have had over {$7300.00} being held hostage in my Robinhood account. I have successfully passed all anti money laundering hold times and my funds have been settled for the required amount of time already. 

Robinhood Support Case Numbers associated with this complaint : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a CitiBank account at the end of XX/XX/2019 and decided to close it in XX/XX/2019. I asked for closing all my Citi accounts twice by online chatting. After they send me a check, there is a XXXX cents positive balance on my account, and I shredded all documents related to Citibank. 
They sent me a letter recently claiming that I had an overdrawn of XXXX dollars. I asked for a statement to verify this overdrawn transaction, they refuse because I can not provide the bank original account number. I believe Citibank is still charging bank fees after I closed all accounts.

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 2020-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
The mortgage company made an error on the closing documents and added an {$18000.00}. tax loan the previous owners were paying off prior to closing, by adding to my tax 's so the escrow account showed I owed over {$200.00} more per month. I have tried getting it corrected from day one at signing. I was told due to the type of loan it would be corrected shortly after closing. It has been 3 months and I have received many excuses on why it can't be done. I am now being told to continue to pay the extra amount until they do a tax review in XX/XX/2020. That is 9 months since closing and the extra amount is causing a hardship. I have sent several messages to the current mortgage company which it was sold to on XX/XX/XXXX and have not received any responses.

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: WA

Complaint narrative:
Denied Access to Funds Imposed Unfair Overdraft Fees Failed to take Action when reporting Unauthorized charges, Deceptive Practices Negligable Securitization Failure to Preform Duties

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 2020-05-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have signed up for a TD Bank Cash credit card on XX/XX/XXXX. They advertised a 15-month 0 % interest rate but on closer attention I now see they have in fact been charging interest on purchases within the 15-month period. 

The site does not allow me to contact the bank by secure message anymore. I called on the phone on XX/XX/XXXX and spoke to XXXX. I explained the situation and she refused to fix the issue. I have asked for a case number but she also refused to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
XXXX XXXX While going through a refinance process with another lender, we were made aware that the legal description in our current mortgage- Dovenmuehle paperwork is incorrect. The legal description and parcel # linked to our mortgage documents do not pertain to our property at all. This incorrect legal description is filed with our county courthouse. Until this legal description is corrected, we are unable to refinance our home with any other mortgage company. 

XXXX XXXX A certified letter and documents outlining correction to be made was sent to mortgage company. A representative for the special loans department called and assured the error would corrected immediately. 

XXXX XXXX XXXX Multiple phone calls were made with no answer, left voicemails, with no return calls. The calls that were answered were operators that directed me to the special loans department. This is the only department that can " help me '' but they are always unavailable or closed. 

XXXX XXXX Sent an email to Dovenmeuhle special loans email address given requesting a return call and update on correction process. Still no answer. 

I am unable to EVER refinance my home or sell my home until that legal description is corrected. Per the other mortgage company, no company will ever approve a new loan until the legal description is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax was contacted by consumer by means of formal letter for request of annual free credit report on XX/XX/2020 which resulted in denial service. 
Consumer is blocked from making an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. Consumer holds guarenteed lock to credit report with security freeze ; Equifax denied all participation accept disputes for consumer credit at this time. Consumer has rights to review and inspect credit holdings at any time which has been denied. Please help resolve as identity has been breached as security freeze dishonored by response of personal information does not match consequently. Soil born obligation to investigate any discrepency with personal identity with financial institutions. Gracious!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had eight inquiries removed from my credit Experian credit report and my score did not go up. Experian indicated that inquiries bring your score down therefore when they are removed your score should go up. Experian also said that if I pay a certain membership then they will work harder at my credit score. 

Also, boost is not available to me because Experian is not linked to my checking account. I have been paying all utility bills for years and I am not receiving the service of a boost in my credit score because Experian is not linked to my bank. I called them and gave them my bank information including all of the bills I pay that qualify for a boost and have gotten no 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC
State: VA

Complaint narrative:
I was contacted Direct Recovery Services and told that I owe {$380.00} for a past balance to XXXX. While I do remember doing business with XXXX at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to Direct Recovery Services and disputing this amount. I am also placing a complaint with the CFPB because I know that XXXX was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have been using coinbase for a while now and Ive had no problems. 

However, on XX/XX/2020, I sent XXXX and a few moments later I was locked out of my account. 

I have tried to get in contact with coinbase and they have just flatly ignored me. 

I have tried to contact them on so many occasions but they havent contacted me back. 

They say to contact their support and I did and I only received an automated reply and nothing else. They gave me a case number # XXXX since XX/XX/XXXX. 

When reading online, it has happened to so many people which is why I believe it has become a scam site. 

I just want my money back. Its been so tough with coronavirus, we dont need these people to make it worse for us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.

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 2020-05-27 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: AR

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN : I AM WRITING THIS LETTER OUT OF DESPERATION. I HAVE BEEN TRYING TO ACQUIRE A LETTER FROM SHELLPOINT MORTGAGE STATING THAT I WAS REPORTED 90 DAYS ' LATE IN ERROR DUE TO THE FACT MY LOAN WAS SOLD WITHOUT MY KNOWLEDGE AND DUE TO THE FACT THAT SHELLPOINT 'S WELCOME PACKET WAS SENT TO MY OLD ADDRESS THAT I HADN'T LIVED AT FOR TWO AND HALF YEARS ; THEREFORE I HAD NO WAY OF KNOWING AND CONTINUED TO PAY MY OLD MORTGAGE COMPANY, XXXX. I WAS SET UP ON AUTO-PAY. SHELLPOINT REPORTED ME 90 DAYS ' LATE. I RECEIVED NO PHONECALL, NO LETTER UNTIL 90 DAYS HAD PASSED. 
MOVING FAST-FORWARD, I WAS ABLE TO CLEAR MY CREDIT UP WITH XXXX  AND SHELLPOINT ; AND MY CREDIT EVENTUALLY WAS RESTORED. CURRENTLY I AM APPLYING FOR A NEW LOAN ON A NEW PROPERTY ; AND THE NEW LENDER NEEDS A LETTER FROM SHELLPOINT BASICALLY STATING, THROUGH NO FAULT OF MINE, DID I STOP MAKING MY PAYMENTS. I JUST WASN'T AWARE MY LOAN HAD BEEN SOLD BACK ON XX/XX/19. 
I HAVE CALLED SHELLPOINT EVERY DAY FOR FOUR WEEKS SEEKING THIS SIMPLE LETTER, AND IT JUST GOES IN CIRCLES. YOU CAN'T TALK TO A SUPERVISOR. I WAS HUNG UP ON MORE THAN ONCE. I GET 20 DIFFERENT ANSWERS. I HAVE SENT COUNTLESS EMAILS. ALL I NEED IS A SIMPLE TWO-SENTENCE LETTER STATING THE ERROR WAS NOT MINE. THIS IS ALL THE NEW LENDER HAS BEEN WAITING ON FOR A MONTH NOW. I WILL LOSE THIS LOAN IF I DON'T RECEIVE THIS LETTER FROM SHELLPOINT. 
I SENT A CERTIFIED LETTER LAST WEEK TO SHELLPOINT AS THERE IS NO PHONE NUMBER, ONLY EMAILS THAT CONTINUALLY GO UNANSWERED. THIS IS BY FAR THE WORST EXPERIENCE I HAVE EVER HAD WITH A MORTGAGE COMPANY. THERE IS NO POINT-OF-CONTACT WITH ONE PERSON. IT'S SUCH A SIMPLE REQUEST I AM MAKING THAT WOULD TAKE FIVE MINUTES TO TYPE UP ON THEIR PART AND NOTHING. 
I AM HOPING THAT YOU WILL BE ABLE TO HELP ME SO I CAN FINALLY MOVE ON AND FINALIZE THE NEW LOAN I AM SEEKING. IF YOU HAVE ANY QUESTIONS AT ALL, PLEASE DO NOT HESITATE TO CONTACT ME BY EMAIL OR BY CELL AT XXXX. 
THANK YOU IN ADVANCE FOR YOUR HELP. I AM AT MY WITS END WITH THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation