vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have been a Robinhood customer for more than two years, for security reasons, I set up all my account for two step verification, however, in the month of XX/XX/XXXX, I lost access to my phone number and my phone, so I can not verify my information to log in, However i was able to log into my account, Prior to me losing access to my account, I had filed some dispute in my account, Robinhood did not update or contact me about my dispute, about a little over two weeks, I reached out to Robinhood asking about the dispute I had filed, the Robinhood specialist that I spoke to, admitted that my case was just there and nobody escalated it as it should have been, during this process, I had verify my account at least 3 times with Robinhood, Robinhood then credited my account temporarily but then locked my account so that I can not access my funds. I called on XX/XX/XXXX and spoke to someone from the security department who was very hostile, threatening to have my funds locked into my account until I provide my personal bank statements and my ID to verify my Identity, despite the fact that I had verify my account multiple times before, I asked the specialist why should I submit my personal bank statements to Robinhood and that am concerned about my privacy issue since that has nothing to do with my Robinhood account, She then became very hostile and hang up the phone while I was still trying to get answers. At this point I believe Robinhood is treating me different and that could be racially motivated, I do have further events to back this feeling up. I am exhausting all remedies available to me before filing a lawsuit. Robinhood has been very uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
the transfer does not give all the info on fees. It makes it look like its 0 percent to transfer and that is it. They actually charge a high 5 % percent to transfer. It does not say it here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
Hello, I have been receiving numerous calls from a phone number of XXXX and XXXX everyday stating they are calling from an arbritration firm that has an acct with my info assigned to it from XXXX parish court ruling, stating that I owe Ace Cash pay day loan from 2018 for a total of {$980.00}. They were very aggressive and wanted my debit card info to settle the debt. They gave the names of XXXX XXXX and XXXX XXXX XXXX XXXX. I tried to call the first number back but it automatically hangs up. I tried to call the 2nd number and they answered stating my full name. They claim that they are calling from XXXX XXXX but I XXXX  the numbers and they come up as a landline to a residence in XXXX, La which has a different area code. They offered to email me some info regarding the judgement that they have against me but I never received anything. They reported to me an old address that I used to have, the last 4 digits of my SSN and my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX. I have been communicating with Capital one bank for months to withdraw the CDs money that I opened for my XXXX children but the bank claims that they can not find the record of these CDs. I have the original bank document for all CDs and bank is agree with it. 

Initially, the capital one bank stated that the money went to the sate then I claimed to state but the state could not find it and provided me a form to be filled out by the Capital one bank so they locate the fund but the bank refuse to fill it out. I opened 3 CDs accounts for my XXXX  children for their collage fund long time ago. These are custodian account which my name and my kids name are on the CDs. If requires I will provide a copy of these three CDs. Please let me know XXXX XXXX CD- the amount is {$10000.00} XXXX XXXX CD- the amount is {$15000.00} XXXX XXXX CD- the amount is {$10000.00} Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I had my student loans transferred from XXXX to Fed Loan Servicing in XX/XX/XXXX in order to qualify for the Public Service Loan Forgiveness Program. Despite being certified as working for a qualified employer, being in a qualifying payment plan, and despite making payments on time ( except XX/XX/XXXX and XX/XX/XXXX ) Fed Loan claimed that XXXX said that I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX, and thus FedLoan is not counting those payments to PSLF. On XX/XX/XXXX I spoke with XXXX ( XXXX ) from Fed Loan, who said she would " activate the bills '' for the months during that time period that I made payments, and she said that she would request for the forebearance to be removed. She also requested a manual recount of which loans should count. On XX/XX/XXXX, I called XXXX and they confirmed I was NOT on an internship forebearance XX/XX/XXXX - XX/XX/XXXX and they did not communicate to Fedloan that I was ( so this was Fedloan 's mistake ). On XX/XX/XXXX I called Fedloan ( spoke with XXXX, # XXXX ), who said the payments were still showing as in forbearance. XXXX put a note in the system that the Dept of Education fixed my datafile and that now it should show that I was in repayment XX/XX/XXXX - XX/XX/XXXX ( except XX/XX/XXXX ), and not in forebearance. XXXX said they have not started the manual recount yet. On XX/XX/XXXX, I received my updated qualifying payment count and they are still not counting the loans that I made on time payments for during the months mentioned above. It appeared as though they still thought I was on an " internship forebearance '' XX/XX/XXXX - XX/XX/XXXX. I called Fedloan and they were closed due to COVID. On XX/XX/XXXX I called the Ombudsman number for Fedloan and spoke with XXXX ( XXXX ) who told me that it is STILL showing a forebearance for XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, and also XX/XX/XXXX, despite that I made on time correct payments during those months, I was in a qualifying payment plan, and my employer was certified as qualifying for the program. She submitted ANOTHER ( third ) request to have the forebearance removed for these months, and she submitted ANOTHER request for a payment period verification so that once the erroneous forebearance is lifted, those payments can count toward PSLF. I am now back in the same place where I started when I was told XX/XX/XXXX that Fedloan would request the forebearance to be removed and also that I would have a manual recount of my loans done. I found out today, XX/XX/XXXX that there is NO RECORD of anyone attempting to remove the forebearance, and my qualifying payment count is still off by 10 months or more, 2 years after my first attempt to correct the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I cancelled the XXXX membership with manager within 2 days. I asked for 1st months money returned-manager Refused. Manager shut off entry key card immediately-I had no entry. Collection and XXXX, Gym manager, refuse to Prove entry because entry key card was off-there was none. I never received any bills, invoices, late payment notices before today. All of this is a Lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: CT

Complaint narrative:
This is related to a virtual currency service over the internet by a company called XXXX. 
I made a transaction through them using my credit card. Instead of taking the money out as any other credit transaction ( as done by similar other service like XXXX ), they took the money from the credit card as a cash advance. They did not provide me with any information that they will do so. As a cash advance, it triggered interest on all of my credit card transactions from that day ( i.e., before I could spot the problem and paid of all balance ). It also imposed cash advance fee and transaction fee by the credit card. The original transaction was {$260.00}. I paid more than {$50.00} on fees already. It seems this can be a scam by XXXX  perhaps in cahoots with credit card cos. on unsuspecting customers. I have never kept any balance on my credit card because I am aware of the punitive interest rates. But in this way, the credit card company can impose interest from day 1 before I am even aware that a third party took out cash adavnce instead of a credit transaction. While I am still dealing with this problem with the credit card XXXX and XXXX and, hopefully, get it resolved, I think for many other regular customers will end up falling for this unfair practice ( or, perhaps, a scam ). That is why I am reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for the Comenity Bank/XXXX Mastercard . My application was denied due to a freeze on my credit account. None of my credit bureau accounts are frozen, and I double checked this as well. This is not a legitimate denial. I proceeded to call Comenity Bank, and after being transferred several times, I reached the proper credit review department and they asked for my reference number. I didn't have the document anymore with the reference number, and so they told me they couldn't help me. Now I have a credit inquiry on my credit report that is incorrect, as well as a denial that I can not properly confirm to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, XXXX, and Transunion regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, Experian, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX {$270.00} XXXX- XXXX-Balance {$0.00} XXXX-Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
We were approved for 3month Covid-19 forbearance in 2020 XXXX, XXXX, XXXX. We have paid every payment since the end of 2020 's 3 month forbearance period on time although we have been reported as 120 days late since the forbearance period and no data for all payments in the past year and a half have been reported to the credit bureau. Us and our housing counselor have been in contact with Dovenmuehle Mortgage and XXXX XXXX XXXX XXXX monthly to address this issue but it does not get corrected so mine and my wife 's credit score continues to drop as a result of the error on reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2021 I went into 5/3 Bank because after several online attempts no one can help me get setup to pay my mortgage online. The Banker was helpful and got me futher than others. I couldn't retrieve documents and I shouldn't have to drive to pay my bills. 
When I got home I called for support. The XXXX  XXXX, person asked me to call customer service.. I waited an hour for a return call. The guy ( customer service ) put me back in loop for a mortgage professional. I hung up because it's a long wait. This is customer abuse. My husband XXXX XXXX died XX/XX/2021. I am still grieving my loss. I am the successor and need to access documents and pay the mortgage online. No one is correcting this online problem. I had to bill pay with my bank. 5/3 don't have electronic means which delays posting and charges a late fee. I am very frustrated with their service. I believe XXXX I paid late fee thinking it was late, it wasn't. I should have a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
SSI deposits for my XXXX XXXX children, our soul income for the month of XXXX was deposited, & immediately fraudulent charges wiped out entire {$1500.00}. Fraudulent charges were swiftly reversed by merchant/ XXXX . 
Yet this direct express card has refused to reinburse me. So they just get to keep my childrens money!? 
DE has had me in a customer service horror story since XXXX! 
Representatives are rude, not helpful. I have screenshot proof of being on hold in excess of 4 hours Just trying to understand why they are holding up my reimbursement. 
My kids money is FDIC insured! XXXX reimbursed it- so what now? Direct Express is just allowed to keep our money as per Direct Express! They claim in there own rules they will provide a credit, if you are a victim of fraud then use XXXX & loop holes to not give any credit during a pandemic, and knowing I was facing homelessness over this. I can not afford to lose an entire months income. I was told I didn't qualify to get a credit because of the name of the person handling my case! Like I have any control over that. 
This happened on XX/XX/XXXX. Today after holding for an hour and fifteen minutes they say my claim is closed & they just decided I'm not getting my money back because of too much different information! Oh & they sent a letter, that I never received. 
XXXX- how can they steal my children XXXX money! 
All the information I provided was true & I thought could be helpful to find out how exactly my directvexptrss MasterCard numbers got frauded in the first place. 
I never lost my card. I did nothing wrong. 
Now me and my children are the victims of both credit card fraud, eviction and direct express straight THEFT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
I JUST NOTICED SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I have a current dispute for an XXXX transaction on my checking account with Fnbo direct. The refund was reversed because they say they didn't have enough information. I called today with that information. Last week the XXXX I transferred money from my savings account with them to an external account. I paid an express fee of {$10.00} for next day service. The external bank shows these transactions. Fnbo direct reversed the deposit and placed a block on the savings account with the funds in it. They are denying any and all traces of the transfer. They have no right to take funds from a separate account that has nothing to do with what is going on in the checkng account. The other bank shows the details of the transfer while Fnbo direct erased theirs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: WI

Complaint narrative:
On XX/XX/2021, I received and email from " XXXX '' that pretended to be computer service company. They claimed that I purchased their services. I did not. But they were charging me {$390.00} for their services for one year. Meanwhile they took control of my computer and stole my data, and then tried to hold me hostage for the price of {$3500.00} to return control of my computer to me. I felt I had to comply because my data was very valuable to me. So I complied and they fraudulently received my {$3500.00}, which was charged to my Wells Fargo Visa card. I then complained to Wells Fargo about this fraud, and after they investigated the incident as far as they chose to go, they blamed me for having complied with " XXXX '' company, and refused to forgive the charge on my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have received a scam text. It states " Chase : Your card has been declined due to suspicious transactions. To reactivate it kindly visit on : XXXX XXXX XXXX  " Their phone number is listed as : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I JUST NOTICED SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation