vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/2021, I sold XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00}. XXXX cents was currently in the account. A total of {$1100.00} should have been in my account after the sale. I advised Robin Hood to DEPOSIT the proceeds of the sell, ( i.e., XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00} ) -- totaling approximately {$1100.00} into my checking account ending in XXXX on XX/XX/2021. INSTEAD they used the word DEPOSIT from XXXX Account. As such, what should have been deposited into my account is now showing as a debit in the amount of {$1100.00}. 

I believe this was done as a FLIM-FLAM -- a trick or deception! because their documentation reads " Deposit from XXXX XXXX  CHECK '' and Withdrawal to XXXX XXXX  CHECKING '' when in FACT, these people simply WITHDREW from my account the amount of money that I asked to be DEPOSITED into my checking account. This company is using a play on words to deceive people into doing things that they don't intend to do. It is common knowledge when dealing with money that DEPOSIT means to GAIN and WITHDRAWAL means to TAKE. Their play on these two words are deceptive. In any event, I've attached the sell of these stocks and have not received the " DEPOSITS '' from the sell of such into my XXXX XXXX  CHECKING ACCOUNT ending in XXXX! I've only seen them WITHDRAW this amount from my account in error!!!! Furthermore, I do not see any historical information regarding the settlement of these stocks and/or funds. I have tried with no luck to resolve this issue with Robinhood. I have yet to see the history of the sell of these stocks, THEREFORE, I am filing this complaint. I might also add, this company 's online application is not TRANSPARENT -- but mostly confusing. It seems to always have technical issues. It seems to work fine when debiting people 's accounts as this is done in " real time '', but when it comes to " depositing '' monies into people 's account, it appears to always be having technical issues -- never done in real time. As you can see they have completely misused the banking terms " deposit and withdrawal, '' I believe on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TX

Complaint narrative:
On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.

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 2021-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchase a used vehicle XX/XX/2016 I was finance threw XXXX  XXXX  this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company XXXX XXXXXXXX  after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the bbb and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchase a used vehicle XX/XX/2016 I was finance threw XXXX XXXX this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within XXXX miles so I reported this to my Finance company XXXX XXXX after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX  and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by Experian that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.

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 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I applied for the Target store credit card using their online application process. 

I submitted a proper application with all the correct identity information. ( The customer service agent confirmed that my application was approved, subject to identify verification ). 

Upon approval, the online application system started asking auto-generated identify verification questions. 

However, all these questions appeared unrelated to me, which indicated that the system was asking about an identify of someone else. 

As a result of the error in the automatic identify verification system, Target initially put a burden on the customer to prove his identify, and in turn unilaterally denied the application, after putting an hard inquiry on my credit history. My credit score dropped because of the hard inquiry. 

When I contacted Target to correct the error, a Target representative and her manager refused to correct my application or the error. 

When I ask the reference number to the case and a contact for their legal department for written communications, the call to Target was disconnected by Target. 

Target must nullify the application and remove the credit inquiry, because the credit denial was due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I contacted Mr. Cooper on XX/XX/2021 at XXXX, I spoke to a XXXX, she stated that she will file my complaint to the 'dispute ' department and that I will be receiving an email within 24 hours. 
No email was sent to me, therefore, on XX/XX/2021 I spoke to a XXXX and she told me that Mr. Cooper will be sending me a letter with an explanation of the dispute complaint filed. Today is XX/XX/XXXX, and I have yet to receive an email and or a letter from Mr. Cooper. In the interim, I have filed a dispute with XXXX  and XXXX  credit reporting agencies, of the false reporting filed by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried to increase my credot limit to XXXX and I'm more the n capable as I have a few credit cards on with the same limit on my report. Capital one based nothing on the report said I have not made more then the minimum payment on the account which is false. I though I had a great relationship using the card as I have payed the account off multiple times! I have proved payment is not an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX uses XXXX XXXX XXXX collection services to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and XXXX  refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted XXXX  and Equifax regarding this and this was their suggestion because they say that XXXX keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX uses XXXX XXXX XXXX collection services to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and XXXX  refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted Experian and XXXX  regarding this and this was their suggestion because they say that XXXX keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.

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 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
My niece traded her vehicle in, last year. I was the cosigner. The dealer she bought her next vehicle from, paid off the remaining balance. Ford is still harassing is for the money. Everytime they do, they hit my credit score for over 60 points each time. So far, it's over 150 they hit me for. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a Bank of America employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was XXXX  to another bank. I called filed a claim reached out to Bank of America & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX  ) they would not help me in giving me any information and told me to go back to my bank. How can the company, XXXX, and Bank of America & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?

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 2021-07-23 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The account has been paid off and needs to be removed from my report ASAP so I am able to rent a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021 I received a summons to appear in court for an alleged credit card debt from Midland Credit Management. I was later visited by the city police XX/XX/2021 regarding the original summons I received on XX/XX/2021 from Attorney XXXX XXXX, XXXX. From my understanding of consumer law, according to 15 USC 1692 ( e ) this section is titled false or misleading representation, Midland Credit Management is in violation of my consumer rights and I want to compensated for the damages which I am entitled to according to 15 USC 1692 ( k ). A law firm can not attempt to collect a debt on be half of the creditor. That's illegal because the states that law firms can not act as debt collectors. I sent a certified noticed to Midland Credit Management on XX/XX/2021 demanding them to cease and desist as well as an invoice for the violation. There are other violations that Midland Credit Management has conducted such as 15 USC 1692 ( i ) in which congress makes it clear that bringing legal action by debt collector is unauthorized and 15 USC 1692a ( 6 ) ( A ) ( C ) ( D ) ( 6 ). The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The term does not include - ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt. I will be invoicing Midland Credit Management for the additional violations conducted against me and sending it certified within 5 business days. Additionally, I do not owe this debt because there is no contract stating that this credit was extended to me by this debt collector. I also demand that this be removed from my consumer reports because I did not give permission to report anything on my consumer report ; it is unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  : no way to get a hold of dispute process through automated system. XXXX options available are to lift a credit freeze, place a fraud alert, or order credit report or score. To get to the dispute department I have to connect to member services, then get transferred to disputes, then get transferred to special services. This wastes my time and the reps time. 

XXXX : here is the id theft report requested by XXXX. Also attached is the document where XXXX  says they do not have any way to verify who opened the account because they do not have a copy of my id, or a signed application by me. How it can be verified as accurate when they can't even verify who opened the account is beyond me. This will be the third time XXXX  and XXXX  have been notified that XXXX  said they can not verify who opened the account.

Company response to consumer: Closed with explanation