vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not used credit for a number of years but have been working very hard in order to build a great credit file and score with all three major credit bureaus. All of my accounts with all creditors are in good standing with no late payments, no judgements, no collection accounts at all. I also work with my XXXX XXXX application and also with XXXX on line in order to get my credit file and scores where they need to be for many reasons. This morning I woke up to my score ( FICO ) with Equifax being lowered by XXXX points, when the other XXXX had positive changes. I will attach copies of my scores as of today. 

As I am sure you are aware of the impact that lower FICO scores have on everyone 's lives, this is especially upsetting. Equifax has my score XXXX points lower than XXXX and XXXX points lower than XXXX. My XXXX and Equifax scores were exactly the same yesterday. 

This is extremely unfair and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I got XXXX XXXX on XX/XX/XXXX and unfair dismissal in the workplace last week XXXX XXXX. I will sue that company and the XXXX of XXXX XXXX and fight in court. So, since I have no income during the litigation period, I hope to receive mortgage support or forbearance.I pay about {$2600.00} every XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a credit card with Venmo, I made a payment to the balance on my card on XX/XX/ for the amount of {$510.00}. To no fault of my own, I was double-charged on this payment and the money was taken out of my account causing me to go negative in my bank account. I had called them to ask them to cancel the payment, the first time I called I spoke to an individual named XXXX with Venmo and he hung up with me, the second call I was told there was nothing they could do, and the third and last time I called the individual told me they will send me a check once the payment clears. I can not wait that long for them to pay me back. This was their mistake and they need to take responsibility for their actions, it is not right that I am negative in my bank account and will be charged an overdraft fee. They need to set up their system to better accommodate their customers in situations like this.

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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was a wells Fargo mortgage Holder from XXXX to my XXXX closing statement. I had a interest of XXXX my payment was {$4300.00}. a month. I tried three times for a mortgage reduction and never heard from Wells Fargo but was turned down. I never missed a monthly payment and never even was late on a payment in all that time. 
I called Wells Fargo in XXXX of XXXX after finding out about the settlement for fraud, to find out if I was on the reimbursement list of names for customers who were mistreated by their loan practices. I was not on their list. 
In that 11 year period I paid around {$570000.00} in payments not including taxes and insurance. When I finally refinanced after having to sell my first home to pay down my principal, my payment was {$2100.00}. Under Wells Fargo during that time I over paid around {$250000.00} in excess payments. 
HERE IS THE FUNNY PART. 
When I asked about my loan number, I was told that it was still a active loan number but under someone else 's name with a XXXX in front of the loan number. Don't you think that this is kind of strange? I feel that their is some kind of fraud going on here and I was, and still am experiencing some kind of fraud and should be on the list of payback customers. I don't know where to go from here and I don't know if I need a lawyer. I know you don't give legal advice but any input you can give me would be helpful.

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 2024-01-11 00:00:00
Product: Credit reporting 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:
An account was open fraudulently in my name. Account is not mine. Law enforcement was

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 2024-01-11 00:00:00
Product: Credit reporting 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:
An account was open fraudulently in my name. Account is not mine. Law enforcement was

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A couple years ago Bank of America closed my account. I found out because I wasnt able to use my debit card on a vending machine at school. I was still in high school at the time. I was unable to login into my online banking app so I called the number that the app provided. However when I called the guy only said that my account had been closed because there had been fraudulent activity and that I wasnt going to be able to get any bank account for the next 5 years. Because the bank representative on the phone wasnt much help I went to the actual bank however it was a similar situation where all they told me was that there was fraudulent activity on the account with a check deposit on the app and then transfer to a XXXX account. All in which activities I didnt do. I wasnt provided with anything on what to do to fix the issue so I havent been able to open a bank account since.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX XXXX XXXX. This account and debt should have been ceased as of XXXX XXXX XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : NAVY FEDERAL CR UNION XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I recently reviewed my Consumer Report where I discovered that ( CREDIT ACPT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS/ REPOSSESION ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.

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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I tried to verify a transfer to the " Robinhood Wallet '' app using my Robinhood account. I accidentally submitted the wrong government ID documents and they promptly restricted my account, disabling me from trading. They did not give me the opportunity to correct my mistake before restricting my account. 

They sent me a change of name request form but quickly voided the document before I had time to read through it. 

Since they restricted my account, many actions have been restricted in the default " Robinhood '' app, most notably withdrawing funds back to my original bank account. As a precaution, I attempted to withdraw my funds listed as " Withdrawable '' within the app. However, my account withdrawal has been disabled. 

I have tried to contact Robinhood customer support with no success. They have decided to continue closing my account with little information on what I did wrong. Here is the customer support message I received : " XXXX XXXX, I hope all is well! My name is XXXX with Robinhood Support. Thank you for reaching out!

At this time, we can no longer maintain you

r Robinhood account. ?? We reserve the right to close accounts in our terms and conditi ons. 

All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. 


Thank you for your understanding. 


Sincerely, XXXX XXXX ID : XXXX '' End of email. I am worried that they will label ALL of my {$6800.00} as " non-eligible '' and that I will never be able to withdraw my funds. My {$6800.00} is listed as " Withdrawable cash '' and I receive an error every time I try to withdraw through the app or website. I have since liquidated all my funds out of an abundance of caution. 

I currently have my correct government ID documents and cards with me, however, I have not been given an opportunity to present the correct documents to them. 

The brokerage is listed as " Robinhood Markets Inc '' at XXXX XXXX XXXX, XXXX XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
There have been numerous transactions or transfers I didn't do or approve or authorize I disputed the bigger amounts that concern me {$90.00} and {$60.00} they accused me of the transactions and when I asked to have it resubmitted and escalated its only escalated it's extremely disrespectful how they handle customers complaints I'm almost to the point of having them investigated.the company is cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Only XX/XX/2023 someone submitted a fraudulent credit card in my name. When I received the notification, I contacted the credit card company and informed that I did not submit an application. I explained that it was fraud and to cancel the application. They told me to contact the FTC and file a 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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CT

Complaint narrative:
I enrolled in an Offer with discover. 
The offer was as stated : '' Activate now and earn {$250.00} extra cash back when you spend at least {$2500.00} by XX/XX/. '' I did indeed activate. 

I spent roughly {$300.00} across other transactions in early XXXX. 
I made a last purchase of roughly $ XXXX on XX/XX/XXXX the deadline. The customer service representative stated that my transaction posted on my account in XXXX therefore I was ineligible. 

According to the terms and conditions. 
" To qualify for the extra {$250.00} Cashback Bonus, the transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. '' In fact, the transaction was made on XX/XX/XXXX and the online order was picked up on the XXXX. The promotion does not indicate that the preauthorization must become a full authorization by the offer date, that is bank business and a clever loophole for bank/credit fraud XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MSCB, Inc.
State: MS

Complaint narrative:
On Thursday XX/XX/2024 at XXXX XXXX, I received a phone call from XXXX with a prerecorded message asking if I was XXXX XXXX. If so, I was to press option one. I proceeded with the instructions. An additional prerecorded message asked for me to return a call to XXXX. A representative answered, placed me on hold, then returned to the line but never identified the company I called or herself. I had to ask who I was speaking with and what company she was with before receiving the information. I am speaking with an unpleasant representative named XXXX that could definitely use additional training. She did give a short version of the mini XXXX. However, I do not recall her informing me the call was recorded. I was informed she was attempting to collect a medical debt owed to XXXX XXXX for around {$2500.00}. Mind you XXXX XXXX is a part of XXXXXXXX XXXX XXXX XXXXXXXX. I then asked XXXX if she is aware it is a violation of the FDCPA to attempt to collect a debt that is included in an active bankruptcy? Instead of notating the account accordingly and ending the call, she insisted on being argumentative so the issue did not get resolved. I did make an attempt to give her the case number not once but twice. I am highly disappointed at the lack of professionalism displayed by the representative with MSCB. In turn, I will follow up with my attorney to inquire about additional actions that can be taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I banked with US bank they closed my account because they couldnt verify a cashiers check I received from XXXX.They requested verification from BMO which XXXX made a letter of verification that the funds did belong to me.They still got my funds on hold even after they got the verification of funds verified through BMO.i have documents attached that the funds belong to me.At this point they are enduring me.Im homeless, lost my car, and lost job cause I am not able to get to work.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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