vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood Application has been hiding my investments and only allowing me to sell. No longer able to buy. This is not commiserate with SEC guidelines and is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I signed up for a promotion with Santander Bank. The terms of the promotion were that if I have {$4000.00} in direct deposits in the account I would be credited with {$400.00} after 90 days. I opened the account online on XX/XX/XXXX through a promotion code sent to my e-mail ( XXXX ) and called after opening to ensure the promotion was attached to the account. I received direct deposits of {$2000.00} on XX/XX/XXXX and XX/XX/XXXX. I received a call a week after the second deposit on XX/XX/XXXX letting me know that I had met the terms of the promotion and would receive a payout today, XX/XX/XXXX ( 91 days after opening ). I set a few alerts on my account so I would be notified when the promotion was received. 

Today, the promotional bonus was not in my account and I called Santander to inquire as to the status. I spoke to a representative XXXX who confirmed I had met the terms of the promotion and the marketing team would be evaluating the account tomorrow and I would receive payout over the next few weeks. He said that I was only at 60 days and I pointed out that 90 days had expired yesterday. We went back and forth on this issue for a while until he figured out he was not counting XXXX (! ) It's one thing to say I need to wait a few more days or another week even, it's another thing entirely to tell me to wait another month. I don't appreciate the runaround this bank has given me and the misinformation I received. I have met the requirements for the payout and they are delaying for no reason.

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 2021-01-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I originally placed an order on the website XXXX XXXX ( found via XXXX XXXX for XXXX  products ) for the following XXXX  products : XXXX XXXX XXXX XXXX And XXXX XXXX ( Snow ) 1 {$220.00} XXXX XXXX XXXX XXXX XXXX  - Battery 1 {$490.00} XXXX XXXX XXXX XXXX 2 Pack White 1 {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} Total {$1200.00} I received an order confirmation and email thread I had with the 'merchant '. After a couple of back and forth emails the email address was no longer available and the website was also no longer active so I had no additional contact info to correspond with the 'merchant '. I was sent a package that contained a 'spinner ' toy in lieu of the XXXX products I had ordered. This allowed the merchant to tell CitiBank, my credit card that was attached to my XXXX account, that I had received the product. I disputed the charge with CitiBank and they did NOT reverse the charge claiming that this was a 'legal ' process and the bank on their end claimed I received the merchandise based on the receipt of delivery. Again I received a 'spinner toy ' ... NOT the electronic XXXX  products that I had ordered. I am miffed as to how CitiBank did not reverse charges. THey have directed me to submit the claim here to the FTC. How can I be refunded? If my credit card provider wont protect me from online purchases, who does? I disputed in XXXX as well, they said it was they couldn't do anything b/c my credit card company was addressing it. How can I be protected going forward???

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
They are auto enrolling members into a fee based checking account without permission. Then the account holder needs to call the credit union to opt back out or they will begin being charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been 60 days and I still haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
The mortgage holder on my personal home has engaged in unfair debt collections practices on multiple occasions. I will outline three of them here : 1. The lender or lender representative tried to gain access into the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were and why they were there in a somewhat intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered.

3. The lender is trying to circumvent the legal system by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred. 
I do not see how the above actions could fall in line with the Fair Debt Collection Practices, FTC or State Guidelines. I would like to have the issue investigated and some action taken to prevent this abuse of my rights, particularly in this time of an epidemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Back in 2017 an account was open up in my name with Santander ... and the account was used for my ex to get an auto loan but it was charge off in my name .. I barely make XXXX  yearly because I get ssi for my son this debt cost way more than I make and I never had the vehicle in my possession ... please help me by doing a one time deletion on this debt ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been a Bank of America customer for over 8 years, I've had an exceptional payment history with my credit card account with Bank of America, I recently discovered Bank of America closed my credit card account and reported me to the credit bureaus 30 days late for XX/XX/2020, 60 days late for XX/XX/XXXX and 90 days late for XX/XX/XXXX. Bank of America has never called me, emailed me or sent me any written notice whatsoever advising me there was a balance past due with this account. My family has bee devastated XXXX XXXX, my mother has been suffering with severe medical and financial complications since XX/XX/XXXX. My only concern in my life for the past 6 months has been my mother 's health. I spoke with a representative in a Bank of America branch and advised them I was unaware I had a balance with my account because my mother 's health was my first priority, I stated I was willing to pay the past due balance in full, but I wanted Bank of America to re-open my account and remove the late postings with the credit bureaus and I was advised, they would not remove the late history. My family has bee devastated and now my credit profile has also been devastated. I'm reaching out to the CFPB to help me restore my relationship with Bank of America and restore my credit profile.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy, Burgess & Wolff, Inc.
State: AR

Complaint narrative:
XXXX SOLD DEBT TO ATTACHED, THIS ACCOUNT IS DISPUTED UNDER THE F.C.B.A. CEASE AND DESIST COLLECTION EFFORTS OR FACE LITIGATION FOR DECEPTIVE PRACTICES INFRACTIONS OR THE DODD FRANK ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XXXX XX/XX/2021 America First Credit Union announced that they are changing all free checking accounts to a fee based account and forcing users to enter a branch in person to opt out. This was done without permission or even official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This started in XXXX of 2020 ... I contacted Capital One with a tracking number supplied by XXXX on a {$4000.00} advance to be credited to my Capital One account. I was told they could not locate the funds with the tracking number provided. for the past year I have been trying to get help from both banks to resolve this. XXXX XXXX notified me they had reached out to Capital One and confirmed Capital had received and has the money ... so why over a year later has the money not been credited to my account. As a result XXXX has reported my account delinquent and the 0 % promo period has expired. XXXX is refusing to remove the deliquency they and Capital One created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: LA

Complaint narrative:
I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of Equifax Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: MD

Complaint narrative:
On XX/XX/2021 at XXXX XXXX., I made a {$20.00} purchase in a stock on CashApp. The transaction was to be executed at XXXX XXXX when the market opens. I had noticed the transaction never went through. So, I proceeded to try and cancel my purchase. I received a notification that the refund couldn't process. I continued and nothing would happen at all or sometimes it would day error or network connection error. My gripe is why wasn't my purchase processed at XXXX XXXX. when the market opened, and when it was suppose to anyway. Then, my money is just sitting on CashApp 's platform, when it was suppose to be invested. Now, they are holding my money not allowing me to access it. This is unethical and a little shady. What if that {$20.00} that was meant to be invested into a stock accumulated from it's investment. Now, I wouldn't know because CashApp illegally held my money, and now will not release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Robinhood stock trading app, XXXX XXXX, XXXX XXXX, and other platforms have stopped allowing purchases XXXX stock. There is apparent collusion going on between hedge funds with short positions on the stock and trading platforms to prevent the price from increasing further. We're in this moment because hedge funds like XXXX shorted XXXX to XXXX percent which might be illegal. Seeing this, and seeing that XXXX XXXX had taken a stake in the company sentiment quickly grew that XXXX was undervalued and a short squeeze was imminent. Thousands and thousands of retail investors have bought in over the last few weeks and now we're at a critical moment because the hedge funds will need to cover their shorts soon and will send the price even higher. Various news outlets are in a campaign of villifying retail investors for causing this situation but the the origin was XXXX being shorted XXXX percent with naked shorts which imply infinite downside risk. However, XXXX XXXX doesn't believe they should be allowed to take responsibility for their actions and shouldn't be allowed to lose. So now they are changing the rules of the game half way through, and preventing retail investors like myself from benefiting by colluding with trading platforms to prevent buying the stock. This is undemocratic and is active class warfare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hi I am in great need of help. 

My name is XXXX XXXX and I went through a year long audit last year that resulted in my XXXX tax return going to a now closed bank account at Bank of America. 

My return was for {$11000.00}. The money was deposited on XX/XX/XXXX and my account was closed on XXXX XXXX. 

My emergency economic payment of {$5400.00} was also deposited into this account. 

Now, the difference is I was not expecting my return so I never called to see if it went to this account. I was expecting my stimulus and was curious so I called my closed account and could hear the deposit was indeed successful and was gone the next day. 

Mind you the IRS only had that account info so everything as far as numbers had to be correct because I could hear my money. 

Since that day I have been desperately calling BOA to track the return of those items. They have diligently denied the receipt of them and have maintained they sent them back to the Irs. 

It has been about 28 days and the IRS has let me know they have not received the money and will not reissue me anything until they do. 

I have read online about BOA routinely losing peoples refund and getting outside of a 90 window where they can no longer trace it. 

I have XXXX children my husband and I work hard to afford. I desperately need your help retrieving my money. I cant afford to allow anyone to steal it from me. 

Can you please tell me how to get this resolved. Thank you, XXXX 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 2021-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am very concerned to find that your bank capital one has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Chase bank indicated that they did not have any negative reporting on either of my credit cards. However, negative reporting still exists on my credit report. I do not know how to get this removed. They lowered my credit limit on both cards even though payments were always prompt and usually more than the minimum and sometimes paid twice in a month. Then, they would tell me I went over my credit limit when I had no idea it was lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

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 2021-01-28 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: MI

Complaint narrative:
I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX Equifax XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

Company response to consumer: Closed with explanation