vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
There are items listed on my credit report that I have no knowledge of. This was a a result of malpractice or an error.

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 2021-01-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA

Complaint narrative:
This is sort of a long story but the short version goes like this. At the start of last year ( pre COVID-19 ) I began the process of filing my taxes and was successful. I was to receive about XXXX Dollars that would have and should have made a huge difference in my life. At the conclusion of filing my taxes the federal government halted any wage garnishment, tax refund offset and social security off set due to the ragging pandemic which let myself and many other reeling on what to do. Well off course this predatory and useless debt collection company ( Professional Bureau of Collections of Maryland ( PBCM ) ) took my tax refund of about XXXX dollars!. This company is almost impossible to contact and does not return phone calls. I hope this doesn't happen to anyone else and I hope that this issue can be resolved with the company refunding me ever last XXXX the stole from me. This was my tax money that they unlawfully took from me! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: U.S. BANCORP
State: IL

Complaint narrative:
Other information I would like changed US BANK Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.

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 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I would like to file a complaint against Google Pay Mobile Wallet. 

Google rolled out its new Google Pay App in XX/XX/2020 and it is a nightmare. I received some money from my friend on XX/XX/2020 and would like to transfer the balance to my external bank account. The transaction got declined. I reached out to customer service and soon had a callback. The representative understood my problem but could only create a ticket and told me that a specialist will contact me in 24 hours.

I received an e-mail notification telling me that the problem has been resolved and I will need to wait for another 24 hours before my Google Pay account can be fully functional. I tried again on XXXX but the problem still existed. I reached out to Google again and was told to wait for 24 hours to be contacted and followed by an E-mail saying the problem was resolved.

After another 48-hour wait, I tried again and still can not transfer out my balance. I contacted Google again and found myself still trapped in the same loop. Wait for 24 hours to be reached and another 24 hours for Google Pay service to be normal. It turns out that Google continues to lie to their customer. They unlawfully hold my money and block me from accessing it. 

Some of my friends also have the same problem accessing their funds. During my third call with Google, I learned from one of their senior specialists that there might be some system glitches. I believe Google should not roll out its new Google Pay at the beginning if they knew the system is not ready. This is totally not acceptable. 

Today is XX/XX/2020 and after my third attempt. I completely lose my patience with Google Pay and decide to file a complaint against Google.

Here are the case numbers I got from Google : XXXX, XXXX, XXXX. They said they have fixed the issue in each of them but apparently, they made zero progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I applied for a refinance of my current mortgage with NewRez Mortgage. And have still not closed on my refinance. They have consistently been slow to respond to inquiries about their delays, or havent responded at all. 

My projected closure dates have come and gone, without being notified of any delay. 

Further, I have been asked to sign a Uniform Residential Loan Application ( form 1003 ) 3 different times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), all with variances in the Details of Transaction section on all 3 applications. 
When I refused to sign it the third time, without an explanation of those variances, they have not responded to that email ( XX/XX/XXXX ). And they have also not responded to my subsequent email ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
There are items listed on my credit report that I have no knowledge of. This was a a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-07 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: PA

Complaint narrative:
In XXXX i applied for a XXXX XXXX credit card i was approved for XXXX limit so upon waiting for my card to arrive i never receive my credit card after some time has gone by i contacted XXXX XXXX letting them know i didn't receive my card they said they will cancel it and send me out a new card, now we are in XXXX i never received the new card i contacted chase regarding the new card they sent me that it never arrived they then at that point me told me the account has been canceled because there is a {$6000.00} limit on the original card that i ever received and not 1 time did chase let me know that someone activated the previous card so therefore i filed an identity theft report and sent it to chase i also have an ongoing lawsuit against chase for trying to make me responsible for a debt and card that isn't mines and now Equifax  is reporting a fraudulent account on my report which i need this account removed permanently from my credit report or i will file a lawsuit against equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
The company " Robinhood Markets, INC '' is an extremely popular platform for trading stocks and other financial securities in the US. The have a feature called " instant deposits ''. This feature allows users to have XXXX dollars of funds instantly available for trading when they initiate a transfer of funds from their bank to robinhood. Robinhood makes these funds available before the money transfer is initiated and before the money is withdrawn from bank accounts. Therefor, they allow regular users to trade with XXXX dollars and " gold users '' to trade with up to " XXXX '' dollars without running a credit check or verifying if they have the funds available. It's for this reason I believe that this instant deposits feature meets the legal definition of a loan. If this is the case Robinhood is providing users with illegal loans on which they charge no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I opened my account XXXX XXXX. Around XXXX XXXX I was applying for an XXXX loan so I called customer service to make sure I wouldn't have an issue depositing the funds in my account. The rep on the phone said I was fine. XX/XX/XXXX I get my loan proceeds and the same day the bank puts a permanent hold on the funds demanding I send them documentation. I send out documents on XX/XX/XXXX. XX/XX/XXXX they look at my account and discover my SSN is incorrect ( the banks error ) and freeze all of my accounts. They tell me to bring SSN into bank to verify and sign new signature cards. I go into the XXXX, CA branch on XXXX to update my info and they refused to help despite my account being 100 % frozen and no access to any funds. The assistant manager spent 20 minutes arguing with me in the lobby instead of 5 minutes to update my info and have me sign a new 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 2021-01-07 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: Capio Partners, LLC
State: GA

Complaint narrative:
I am suffering from identity theft crime. Someone used my personal information to obtain credit goods without my authorization. The problem was reported to three major credit reporting agencies back in XXXX, 2020. 
XXXX  and XXXX XXXX found all accounts that I reported to be fraudulent and removed them successfully from my personal credit report. 
XXXX  is not accepting all of identity theft reports ( FTC and XXXX county police ) and continuing to post few fraudulent accounts on my credit report. 
Those accounts are listed as XXXX XXXX XXXX XXXX CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have requested verification and validation of these accounts, but XXXX  nor the creditors of these accounts never followed with my demand. I believe that both parties are in violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX XXXX ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the XXXX XXXX needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am trying to transfer funds from the savings account to a linked account at XXXX XXXX. When I click transfer funds it tells me they are experiencing difficulties. In addition, it only lets me withdraw {$3000.00} at a time. Ive encountered this problem at least 3 times before. Each time I called the bank and my problem wasnt resolved. Today I threatened to file a complaint and was connected with a manager. He told me that there is a transfer limit on my account. I can only withdraw {$6000.00} in a month. The account was opened inXXXX. Do you think they would have updated the account polices in the past 34 years? They never made me aware of this. I am furious that I cant access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 received two separate texts with a " one-time passcode '' to access Experian. I have never used Experian and did not request to view my credit score at Experian or any other company. I'm afraid someone is using my information to try to access my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Unauthorized dispute IC system, kindacare, and all inquiries are unauthorized on my credit report and should be removed Immediately for. XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
The day XXXX, XXXX, 2021 ; at XXXX, I got a notification from Cash App stating an XXXX  Bill Payment was spent for {$860.00}. As soon as I seen this I reported this fraudulent transaction and later following with deactivating my debit card my card was then charged three more times moments after of disabling my debit card. Since then Ive been trying to sort this out with Cash App and XXXX. Cash App itself has failed to help or even update me on the situation! And XXXX  has turnt me away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My mortgage provider, XXXX XXXX XXXX, sold my mortgage to a new provider, mr cooper ( Nationstar Mortgage ), effective XX/XX/XXXX. The transfer process allowed the autopay process to transfer to the new servicing company. The new company, mr cooper, took out twice the amount they were allowed per loan agreement for XXXX. After contacting mr cooper about their error mr cooper they subsequently increased my principal & interest ( P & I ) portion of my payment to 10 times the amount shown on the loan agreement I had with XXXX. I again contacted mr cooper about their error, confirmed they had all supporting documentation including loan papers, payment history, and statements from XXXX. The Mr cooper representatives I spoke with all confirmed they had the information and agreed there is an error in their system. I received notice that my request to correct the error was being transferred to another department within mr cooper ( XX/XX/XXXX - date of verbal notification ; XX/XX/XXXX written notification ). I get daily emails and other notices that tell me I am overdue on my payment but no updates on when or if they will correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went to buy a XXXX XXXX about a year and a half ago. They pitched me the Best Buy credit card. Said I can apply and I will have 12 months no interest. Okay perfect. They did not say if you have more than one purchase your payment will be spread among all of them. Making it impossible to pay of the first purchase. Also they did not tell me that at the end of the 12 months all the interest from the year will be put on the bill. I went from {$1000.00} balance to {$1600.00}.

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 monetary relief