vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a Robinhood account since XXXX  I added funds to my account several times with different bank accounts to use for trading and never got an opportunity to withdrew my funds from Robinhood. For the past three months I have been trying to close my account and withdraw the balance of XXXX from my account. Robinhood placed a restriction on my account and will not allow me to closed or withdraw my funds. Robinhood asked for verification of myself which consist of my social security card, my id and bank statement along with a selfie of myself. I sent all these personal documents to Robinhood. But the company still refuses to closed my account and release my funds. The brokerage claimed that the name on my bank statement does not match my account, the account that the transfer was made from is the same account they need to resend the funds. I explained to their representative whose name is XXXX that the bank accounts that they are asking for are no longer active with the exception of my XXXXl XXXX XXXX account. She asked for a bank statement for the last 60 days. I gave them a pdf copy. Stil, Robinhood continue to hold my account hostage. I explained that I do not have any access tomy closed accounts that was removed from Robinhood. 
Even after all this, I am still not able to get the account closed or to cash out my remaining funds. Since I did stocks with Robinhood. I have yet to cash out any funds made from stocks. XXXX profited from my deposit more than I ever gain. 

Please help me to get this brokerage to close my account. I am frustrated and are very Ill. I explained to the representative that I am not well and are currently trying to a void the stress this company is causing me. It shouldnt matter what bank account I used to transfer the funds, as long as the cash are validated and approved from my bank account. 

Thank tou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I received a call from CBE Group on XX/XX/2022 at XXXX from phone number XXXX. I answered and was asked if for me by name. They then attempted to verify who I was by stating the last 4 of my social security number and asking me to verify. The person then argued with me when I said that the last 4 of my social security number is protected information and that the collection company should not be giving it out freely to verify who they are talking with. I have delt with this agency years ago about this very thing. They have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The complaint is against Citi Bank. 

I tried mobile depositing a check from Department of Treasury into my checking account with Citi a few days ago. The check was for Covid overpayments in amount of XXXX. This morning I went to try to log into my online banking account which includes my checking account as well as a credit card account. It would not let me in. Keep in mind I have XXXX $ of my own money Ive had in there for months. I called customer service and they told me the account was blocked and transferred me to fraud line for verification. Waited on hold for TWO hours and a rep finally got on and inquired about the check from DOT. I gave all the details of the check in hand and she told me it was fraudulent and were immediately blocking all access to my account and closing the account. And that IF I had money owed to me it would be released to me within 60 days. If I have money owed? I have over XXXX of my money in there. I have a lot of money in that account and should absolutely not be blocked from accessing it as the Mobile check has nothing to do with my other funds. I asked for another rep and went back into the loop on hold for another three hours and no one ever picked up. So now I have no access to all my funds over a check that was NOT fraudulent and no direction. I went to another bank I have an account with today, not Citi, and they cashed it no problem. So Citi made a decision that was incorrect and Im being punished for it. I also tried calling supervisors on the personal account line and they told me they can not help me.

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 2022-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I had recently opened an account with chime bank and then opened a credit builder account money was taken from my checking account and put into that credit builder account but was not spent and nobody will show me where that money went and will not send me a statement showing where the money is in the credit builder one person said they were going to mail me a check for the remainder that was in my credit builder account and another person said I had no money in there I cant get a direct answer from anybody nor can I get any kind of statement showing where my money went this started on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: OH

Complaint narrative:
Experian Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX : {$460.00}

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 non-monetary relief
Consumer complaint received 2022-08-23 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: SC

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. They were required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly. Which is not true Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I noticed my debit card had been charged XXXX times at XXXX dollars each totaling XXXX dollars for google play. I have a monthly recurring charge of {$6.00} for XXXX aware services and hundreds of dollars of Google equipment in my home. Google will not return these unauthorized charges due to my prior/current recurring payment history. I have disputed these charges once through my financial institution and twice through google as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I reached out to my prepaid care company about the transaction today, XXXX XXXX at XXXX cat. Used card to pay the owner for customize wig I never received it. Reached out to the prepaid card company and they said it was nothing they could do because the transactions were completed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: The Bureaus, Inc.
State: TX

Complaint narrative:
I reached out regarding Account XXXX. I dont assume ownership of this account but Im an effort to get it resolved I submitted a settlement letter. I was advised that this company no longer owns/manages this debt therefore they should remove the collection from my credit report with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have no contract with Navient. 

Navient is in violation of 15 USC 1692c by not having prior consent from the consumer to make contact about a debt. They are fabricating a communication to me without express written consent. 

Navient has committed identity theft by acquiring my information for monetary benefit. 

Navient has invaded my privacy and has reached out to my personal contacts, without their consent, about an alleged debt. 

Navient has made false claims by attaching TEN entries onto the credit file, reporting all entries as late thereby damaging my credit. 

Navient has caused harm by way of trespass, violation of privacy and identity theft. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C.1681g ( e ) ( 11 ) Definition of victim For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife and I share a checking account. We both requested new debit cards in XX/XX/2022, as the previous ones had expired. Upon receiving them, we never used them. On XX/XX/2022, we were charged by : Merchant name : XXXX Merchant information : XXXX XXXX Amount : - {$19.00} Type : Debit Card We immediately locked both debit cards and contacted Bank of America letting them know this was a fraudulent transaction. They credited us back the amount charged and said they would investigate. Another fradulent transaction was attempted against the other debit card, but was blocked due to it being locked. We requested that they block all transactions from this merchant. They cancelled our debit cards, we destroyed them, and they sent us new debit cards, which we never used. 

On XX/XX/2022, we were charged by the same merchant : Merchant name : XXXX  Merchant information : XXXX XXXX Amount : - {$25.00} Type : Debit Card We again locked both debit cards and contacted Bank of America to let them know it was another fradulent charge. They said they will credit our account, block the merchant, and send us new debit cards. We asked to speak with the Bank of America security department, as it doesn't make sense how our cards, which were never used and are carried separately, were each fraudulently used on XXXX different days. We were told Bank of America does not have a security department. We're concerned that Bank of America, or whoever they use to supply their debit cards, has been hacked, as there is no other explanation how these transactions could have gone through, as no one should know our debit card numbers.

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 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I was not offered the XXXX XXXX COVID-19 Payment relief option a the end of my COVID-19 Forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I closed my card in XXXX and authorized a XXXX time payment to get my balance to XXXX. The rep confirmed the account was closed. They allowed a pending charge to be transacted and never notified me that there was additional charges that they transacted despite closing the account. I only learned of this when they reported my account delinquent to the credit score company.

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 2022-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I applied for a small installment payday loan on the Possible finance app on my phone Friday afternoon of XX/XX/22 and was approved for {$75.00} dollars. The app said the money would be deposited directly into my checking account XX/XX/22 before XXXX. The day came and went and no deposit arrived. I contacted Possible finance through the help center on their app stating I had received no deposits and sent screenshots of my bank statement and the actual message from Possible Finance about the deposit date information. I was advised via email to wait another day I was already extremely suspect but what option did I have? I wait another day, still no deposit, I reached out through the help center of the app for about the fourth time and was told to wait another day I sent more screenshots and asked the loan to be canceled as I did not wan to to pay this shady company for money I didnt receive. I got no response after that. My first installment is due XX/XX/22 but I never received these funds. I believe this Possible Finance is acting unethically and preying on desperate people for small loans with large interest rates that never get deposited.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXX XXXX offered financing through Ally Bank in the amount of {$2500.00} for 4 sessions of XXXX  within a 6 month period. After filling out an interest form online on XX/XX/2022, I received a phone call and virtual consultation within minutes. A brief description of services and the contract was given before scheduling my sessions for XXXX and XXXX. I was informed that I would not be binded to the agreement should any medical conditions deem me an inappropriate candidate for the XXXX services. 

Two weeks after my consultation, my partner and I decided that we would start family planning. My need and ability to receive XXXX  changed. I called to cancel my loan with Ally bank in XXXX and cancelled my XXXX  appointments. Ally Bank agreed to cancel the loan and informed me that I would receive notification in the mail. Over the next few months, I would continue to receive past due notices from Ally Bank. In XXXX, I inquired with Ally Bank as to why the notices were continuing despite cancellation. Ally Bank initiated a dispute with XXXX XXXX. XXXX XXXX contacted me in regard to the dispute and stated that they could not refund Ally Bank therefore forcing me into a loan agreement for services I have not and can not receive. 

Per XXXX XXXX contract, " XXXX  services are not recommended for : ( a ) Any female who is pregnant, may become pregnant, or is lactating ; ''. XXXX XXXX states that " 4. [ Ideal Image ] may also terminate the Agreement at any time and for any reason and [ they ] will then refund you if [ their ] medical director in his/her sole discretion determines that you are not an appropriate candidate to receive treatment services as follows : 1 ) If treatment services have not yet been performed, you will receive a full refund in the amount of the total service fee price received, less {$100.00} ; '' Despite not being an " appropriate candidate to receive treatment '' as a " female who is pregnant, may become pregnant, or is lactating : '', and the agreement of Ally Bank to cancel my loan for services not rendered, Ideal Image has refused to refund Ally Bank and hinders the cancellation of the loan. 

In addition, XXXX XXXX image is unable to provide the services within the stated service agreement timeframe of 6 months due to my ineligibility per the agreement. 

The loan is reflecting over 90 days past due and will negatively affect my credit standing for services that I am ineligible to receive for a service agreement that XXXX XXXX is unable to provide per that contracted terms.

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 2022-08-23 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: OH

Complaint narrative:
TransUnion Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX  XXXX : {$2100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX  : {$460.00}

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 non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
In XX/XX/2019 made appt at local hospital for minor treatment ( infected thumbnail ). Was quoted {$800.00} cash, but told physician was in-network and covered by insurance, and instead told by hospital receptionist to pay {$200.00} and file insurance claim. Followed instructions but as I walked past her desk physician suddenly became out-of-network, and {$800.00} estimate instantly grew to a final bill of {$3000.00}. 
Paid {$200.00} and insurance paid over {$1800.00}. Total of {$2000.00} paid for {$800.00} service. 

Physician billed another {$780.00}, and has never responded with any documentation or explanation in 2+ years of attempted contact. 
Refuses to provide any information to this day. 

Charge is unauthorized, physician office and subsequent collection agency have not responded to any inquiries.

Company response to consumer: Closed with explanation