vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I XXXX XXXX XXXX connected post XXXX veteran XXXX deployments XXXX XXXX XXXX to XXXX and California XXXX XXXX XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX date of birth XXXX Nevada drivers license no XXXX respectfully request an immediate investigation and resolution which should include paying off global lending services bank concerning the XXXX XXXX XXXX  exclaim Nevada license plate no XXXX Vin no XXXX was in an accident the third one within XXXX years the first one I wasn't even in the car. The air bags did not deploy at all plus XXXX XXXX XXXX is at fault for not putting in immobilizer in the XXXX to XXXX XXXX and XXXX Vechicles which include mines just in case they are stolen. I was sold the car from he'll abs the other driver did not give me the complete right of way. The police report says so. Now the vehicle is at Sudden Impact body and repair shop located on XXXX XXXX XXXX XXXX nv. I regret only having inability insurance only for 3 mos I was going to add the collision part on the XXXX of XXXX now this accident which was not my fault hopped. I request that I have justice for the high intrest rate plus the mistreatment by the other drivers insurance company progressive insurance that they either fix my car or since this XXXX XXXX has been in XXXX accidents in XXXX years that the car be totaled via the gap insurance I am paying and the global lending services be paid the XXXX i owe so I can get another vehicle from XXXX XXXX or somewhere. Thank you for your concern. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
I'd been living at a house since XX/XX/XXXX. On XX/XX/XXXX, I moved out leaving my last month deposit, {$500.00} pet deposit, and half a month rent. I cleaned the house and dropped off my keys. A couple of weeks later, I got a letter demanding {$3700.00} in damages to the house. I was then sent to collections. I've written twice with no response. I left the house with normal tear and wear. I've attached both letters and the lease. This collection is baseless. The landlord wants to charge me for paint and carpets for the new tenant. When I moved in the house neither the paint nor the carpets were new. I want this removed from my credit report because it's damaging in an unfair way.

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 2023-05-04 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: PA

Complaint narrative:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Trans union and XXXX XXXX XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: LA

Complaint narrative:
Unrecognizable inquiry from 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 2023-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Date : XX/XX/203 Company Involved : Paypal , Inc . 
Paypal Account : XXXX Issue/Concern : I can no longer use my paypal account because of permanent limit. I can no longer send and receive funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The I signed up on website XXXX to obtain credit score for a loan. After obtaining the information I called to cancel the subscription so next pay period I will not be charged. They were given my bank details. When I called to cancel the guy was still trying to push for me to keep the account and sell coupons. This made me aware that this may be a fraudulent company. I told him no to cancel and he did. I received a confirmation number. Now today XXXX the hoax company is trying to charge my card. I look up the address on the website and it shows a research lab not a credit review company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was online trying to get get a loan with XXXX XXXX XXXX and XXXX XXXX and they asked me for my bank log in and password and they put XXXX XXXX and XXXX XXXX dollars into my account and they told me that I had to pay it back. With XXXX XXXX XXXXXXXX they told me that I need to to XXXX and purchase money cards which I still have and put a amount on there to pay them back to get the loan same thing with XXXX XXXX. I had gotten an email from my bank and I called them this morning and they told me that a check was put into my account and the check bounce it was not a good check. I also gave them a picture of my ID and my social number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
We received a letter from Jefferson Capital Systems LLC stating we had an outstanding balance. I called and spoke to a representative asking where this originated because we didnt have any account with XXXX, which was listed as the debt description. The representative could only tell me it was from a store called XXXX the balance and when it was supposed to have occurred which was 2 years ago. We never made a purchase and weve never been alerted to any fraudulent activity on my social. I told them to mark our account as disputed but this all still feels really strange and scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
this morning I check my credit report and notice that XXXX has opened an inaccurate account ( SANTANDER CONSUMER USA ) that has been closed since XXXX, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and Santander Consumer Usa hasn't gave me my disclosures, per 15 usc 6802b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX closed my account because according to them I was not using it often enough. The problem I have with that is it dropped my credit score by XXXX points. I was in the middle of obtaining a loan and I no longer qualified for and have not been able to get. 

I need for your bureau to redefine what that means how that can be corrected and see how it impacts people 's credit when the creditor has been paid all that the person utilized from them. A creditor closing an account for that reason should NEVER be allowed to transfer into HARM by making a negative impact on anyone 's credit when they do not choose or need to use a card by a specific time, which was offered to them.

I paid off that bill and others on time every time for a reason. That is one reason so many Americans are in debt, based on bad legislation and allowing companies to control policies to keep getting paid. Right now they have caused me undue harm and punishing me by the impact on my credit.

I need you to speak to congress to make it illegal for the credit bureau to lower credit scores because you have not utilized a credit card in a while that is forcing us to give companies our money when we do not need their services.?? Why are you allowing this esp.

In times like this who wants to be forced to purchase things just to hold up companies even when you do not have a current need just to have more bills.

This drop, increased my utilization rate and lowered my score preventing me from the credit that I needed to get. Now it is putting my project at a stand still as well this is unfair and should be illegal it is forcing us to work more to pay for thing we don't need. It is a system parallel to slavery which is controlled by the credit card companies and the credit bureau.

The credit bureau and that company needs to be held accountable for even instituting that conspiracy to keep people spending or have them paying a price for not spending with them.

You need to do something to fix this mechanism and force the credit bureau to replace those scores and to not have the approved credit amounts to be removed from anyone 's credit. The economy needs to flow it can't flow if people can't borrow because they paid off old debt until money is available again. If a person closes an account they no longer want the credit bureau should reflect the level of credit they were approved and the length of time they had the card and it should never become a negative impact credit hit to lower anything it should just be silent or if anything it should reflect a paid as agreed and be a positive on the report that can not be removed for seven years.

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 2023-05-04 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: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C Sextion 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-05-04 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: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My cash back rewards stopped showing up on my account several months ago. I called the credit card company in mid XXXX and they said it would be fixed. At the end of XXXX, it was still not fixed. I contacted them again via chat and spent almost 45 minutes going back and forth with them. Several days later, the amount finally showed up in my account. However, I received an email stating that " no error occurred on your account '', a statement that is clearly untrue as it took multiple tries to get the issue fixed. Then, my wife received a similar email stating that they had tried to contact her about the problem- she has received no other emails or phone calls. Goldman Sachs is clearly trying to bury the fact that they had problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank contacted me on XXXX at XXXX XXXX regarding a debt in the name of my mother-in-law. I informed them that they had the wrong number and agreed to pass on a message, but to not contact me again. I then received a 2nd call on XXXX at XXXX XXXX regarding the same debt. I told them that they had the wrong number and to stop calling me. They had no record of speaking to me before. I asked for the caller 's name for my own notes incase they called again and was refused. I was passed to a supervisor and when I asked him for his name, he hung up the phone. A Debt Collector refusing to provide their name and information, and consistently calling the wrong number is in clear violation of the Consumer Protection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: CA

Complaint narrative:
I usually purchase and sell stocks with the Robinhood online investment company. In early XX/XX/2023, while I had {$16000.00} in cash available, I wanted to buy about {$4000.00} worth of shares of XXXX. The reply from Robinhood was that I did not have enough buying power, which was false. That forced me to make two separate deposits of {$4000.00} and {$2000.00} on that same day. Even then I could not buy the XXXX stock because Robinhood insisted I did not have enough buying power. Few days after, all my cash, {$22000.00}, disappeared from my account and all my existing stocks were sold without my permission or knowledge. Worse, a XXXX account under my name was created by someone else. 
Robinhood is not answering any of questions, except in general terms. They said there was no problem on their end. 
The XXXX  created by someone else, but under my name has a deficit of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This account was paid off by my credit union with an overpayment of {$900.00}. The claimed to have sent me 3 refund checks which I received 2. One which they issued a stop payment against which came after I contacted then and I have it in my personal possession and the other one I cashed. I have been trying to resolve this since XX/XX/2022. I received a dispute letter from them XX/XX/2022 saying they'd get back to me in 90 days and I've heard nothing and I've called and have all of the documentation to support my claim. They have been reporting me to the credit union as late and non payment and my credit score has dropped tremendously. Everytime I call I get rerouted and they say they are going to take care of it and they don't. They have ruined my credit. Please get them to do something about this and correct my credit as they have ruined it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SIMMONS FIRST NATIONAL CORPORATION
State: NJ

Complaint narrative:
On XXXX An amount of {$10000.00} was debited from my Simmons Bank account by an external transfer from XXXX XXXX. The funds were taken out of the Simmons Bank account but never ended up in the XXXX XXXX Account. As per XXXX XXXX these funds were rejected and returned to Simmons on XXXX 

As of XXXX The funds are missing. They never posted to the XXXX account and have not been returned to the Simmons Bank account. When I called Simmons Bank, they are unwilling to do a fraud report. I have tried calling them XXXX different times. They have no idea where the money is, nor do they give any resolution.

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