vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: DC

Complaint narrative:
XXXX agreed to settle my loan for XXXX XXXX, they requested that I receive an appraisal to gauge the amount of what the vehicle is worth. I went to XXXX dealerships and received XXXX online appraisal offers, XXXX  additionally requested pictures of the interior and exterior of the vehicle. We agreed to settle account for XXXX, they sent me a settlement agreement which I signed and returned to them. I visit the dealership to sell the vehicle to satisfy the terms of the agreement and close the account, they report to the dealership that I owe XXXX. I called them, they only want me to sell the vehicle to a certain dealership which was not the agreement. The agreement is between me and them to satisfy the financial requirement to close the account, irrespective of if I sell the vehicle to a private buyer, a dealership or elect to keep the vehicle its my choice, theyve agreed to settle for the XXXX and they should honor this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XX/XX/2022 a collection account was added to my report by Charter Communications in the amount of {$4300.00}. This is an error and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had made a payment from my bank ( bank of america ) through XXXX  to an individual for XXXX XXXX  inwhich the services was not rendered and was told to leave. This payment I made was sent to someone else and not the person I was in agreement with upon once I sent them the money through XXXX. I have contacted both the individuals through text and have not received a reimbursement or a reply back from. Also may a call to my bank and was told that there's nothing they can do. I have sent you a photo copy of the person2 I sent the payment to for the person1 I went to meet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act 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. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/2022, I mailed a check to pay off my account in the amount of {$950.00}, the check was endorsed on the back by XXXX Bank and cleared my bank on XXXX XXXX. That amount has not been credited to my account. In fact, on XX/XX/2022, they applied a {$30.00} late fee to my account. I have made numerous phone calls and sent numerous emails about this error and have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account 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. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding  XXXX XXXX  XXXX Reported XX/XX/2022 {$210.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$160.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$42.00} Outstanding  XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$210.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$160.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX  XXXX  XXXX Reported XX/XX/2022 {$42.00} Outstanding XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been consistently contacting chase personal checking account starting back in XX/XX/XXXX! I have had the same exact account since opening it back in XXXX of XXXX. I started noticing things with my account such as paper statements being created ( never received any paper statements as I have always used electronic ), my address being updated to another address I have never lived at or even know whose address it is! My security alerts being turned off? I wouldnt have shut those off because they are for security alerts that fraudulent activity is going on! My debit card I have had since opening my account & PIN number changed after I deposited my settlement check! When I called Chase customer support informing them of all of these things going on with my account, they made it seem as if there wasnt a problem? I noticed a bunch of atm withdrawals on the same day at different times?! When talking with the fraud department they mentioned that they were not notified? So I thought to myself why werent they notified? Sure enough go back into my checking account & all alerts to every chase account I had were turned off! Not once did they seem concerned and when I noticed XXXX different devices on my logins the customer support rep said it doesnt matter? How doesnt it matter?! I have used only iPhones and theres computer accessing my accounts? When I put a claim in for fraud activity such as XXXX XXXX & atm withdrawals they gave me those funds back until a day later they said they were authorized?! I asked them how can you investigate all of these transactions in a day?! They said chip enabled & geo location? Clearly someone who knows my banking habits would know to use the same locations & ftc even talks about chip enabled scams?! I asked them to please check atm videos because I didnt take all of this money out! Funny thing is when trying to do my own XXXX transaction they wouldnt let me? Saying the person I am sending money tos bank is rejecting due to fraudulent activity?! Well I have sent this person money multiple times?! I am now going to be XXXX due to Chase banks lack of investigating! I need my checking account to be investigated the proper way! It is too easy to add anyones debit card manually to send XXXX XXXX & atm withdrawals!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX am I called chase debit card services about XXXX transactions XXXX, XXXX, and XXXX that were made on XX/XX/2022. I froze my debit card and reported it to the debit card company. The fruad dept was not open so i had to wait until the morning to called on XXXX XXXXThese transactions were made unlawfully, police report was made and the man was impersonating an officer from XXXX XXXX Police Dept . A police report was filed with XXXX XXXX police dept in XXXX California. Chase wasn't able help even though this was fraudulent activity. My girlfriend 's bank ( XXXX ) was able to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: MN

Complaint narrative:
I recently obtained a copy of my credit report from Equifax, XXXX, and XXXX. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: I.C. System, Inc.
State: FL

Complaint narrative:
In accordance with a fair credit reporting act [ XXXX XXXX # XXXX and XXXX, XXXX CREDIT # XXXX XXXX I.C. SYSTEM, INC # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. After review, this account does not belong to me. I was only an employee for this business and was not an owner or managing member of the organization involved with this account. This information was incorrectly added to 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 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Opened an Ally Account on XX/XX/XXXX. They initially blocked access to my account on XX/XX/XXXX - when calling them about the issue they asked invasive questions like " Why did you open this account? '' and told me that they restricted access because no money was deposited. I deposited a echeck on XX/XX/XXXX, which was subsequently cleared by the check issuer. I also wire transferred {$100000.00} in savings from my current bank to Ally on XX/XX/XXXX. On XX/XX/XXXX Ally let me know that the echeck funds would be available on the XXXX. I received a second notice that access to my account is restricted. I called them every day that week, and was told that I should be able to received access within XXXX business days, since it is standard procedure for the bank to restrict access at the first check deposit. I received very nasty comments from the loss prevention line with an accusatory tone from the supervisor, and was told that these is nothing I can do to expedite or learn more about my account restriction until the Fraud department contacts me. This is completely unfair and I've been in the dark about my savings. After XXXX business days I called again and received the same treatment. I was told that this process might not take longer than one month, but there are no guarantees, and no way to speak to a supervisor, Fraud department, or anyone that can either tell me more information or grant access to my account. The only way to learn anything is to call, and each call has led to the same stone wall. This is extremely poor business practice, and I am completely unable to make transactions from this bank ( it has now been XXXX weeks ) and they have the vast majority of my net worth. I requested of a copy of all verbal and electronic correspondence they have not granted it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: MN

Complaint narrative:
I recently obtained a copy of my credit report from XXXX, XXXX, and TransUnion. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from 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 2022-07-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently obtained a copy of my credit report from XXXX, Experian, and XXXX. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from 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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: GA

Complaint narrative:
I suspect fraud so I get on the self lender app for support which I tried doing the bright previous to this filing and they said chat is closed and said the hours so I just check again and they dont have a number to contact so I go through the prompts that I clicked were like I suspect fraud and it goes to sent me to and agent but nobodys there no Waiting in queue just sorry bye like when am I able to contact about this fraud on my account only these XXXX charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
in 2016 i took a loan from XXXX XXXX on the internet and i was paying {$600.00} + per month. when i realized nothing was happening to the base amount i called XXXX XXXX to find out where was my signature was and where the interest rate was. They told me that my signature was online and the interest rate was 34+ %. I told XXXX XXXX that anything over 25 % was criminal usury and i was not paying anymore. They said okay and charged off the debt. 

I thought that this issue was resolved, however a company name Velocity brought the loan and sued me in civil court for repayment of this debt. At the first court hearing i explained that 34+ % was criminal usury and i was not paying it. Their attorney told me that it depended on what state the original lender was located. This did not sound right to me so i researched usury laws for all states. No state said that anything above 25 % was not criminal usury. 

The next time i went to court i told them the same thing in paragraph 2 and also all of my income is judgement proof. when they heard this they threatened to put a lean on my house. i didn't remember signing anything offering my house as collateral. I continue to research criminal usury and i called and payed for an attorney in California, a state that i thought was where the original lender was located. The lawyer XXXX XXXX, told me in no uncertain terms that the law applies to the state where the barrower ( me ) lives. 

In view of the fact that i received the run around from two Velocity attorneys who gave me bogus information which counted my research i emailed the judge who was hearing my civil case because he was in civil court and i felt he possibly was not familiar with criminal usury laws. i was warned on two occasions not to contact the judge directly with out informing Velocity attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
XXXX XX/XX/XXXX I contacted Bank of America about a fraudulent account that was created in my name. They indicated that they would close the account. Three weeks later I received a statement indicating that the account was not closed. I called them and was forward to the fraud department four times. The first two times I was hung up on. The second two times I waited for over 45 minutes with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: U.S. BANCORP
State: OH

Complaint narrative:
I had services performed at XXXX XXXX on XX/XX/XXXX. My bill was XXXX. I attempted to charge my debit card from US Bank but the cashier said the transaction kept coming up as canceled. I then had them use my XXXX card and it went through. A couple of days later I show the XXXX transaction on my US Bank debit card. I called XXXX XXXX and they told me I had to call my bank because they were only paid once. I contacted US Bank and they told me I had to dispute the transaction. I sent US Bank the receipt showing the services was charged to my XXXX. I received a letter from US Bank saying my dispute was denied saying services was provided. I did not dispute services was not provided my dispute was I was charged twice, once on my XXXX which I provided them the receipt and once on my US Bank card which XXXX XXXX said didnt go through. I have tried to contact US Bank dispute department and I keep getting the run around and unable to speak to someone from that department.

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