vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood markets Inc has frozen my account with them as a result of an account restriction that they will provide no details about how to get lifted. This has been ongoing for over 3 weeks and they will not allow me to withdraw my balance held in my account to an external account while this is ongoing. However they are debiting my balance for a premium account and services with their company which they are also restricting me from using. So they have limited my ability to access my own money and while they hold my money hostage theyre paying themselves from it for services they wont allow me to use. 


I logged in 3 weeks ago and was prompted to submit my social security card, my govt issued ID, as well as Bank statements in their entirety. I submitted all of the requested information within a matter of 1-2 days. However, my account remains restricted and despite continuous outreach on my behalf the only responses Ive received from them are XXXX  customer service emails from robots that contain no real information and provide XXXX help getting my issue resolved. I have been requesting calls daily and they will not provide me access to the account review team who is supposedly reviewing my account to validate something, but cant tell me what it is or why. It is on its face ludicrous that it should take any company 3 weeks to validate any piece of customer info, much less a firm that is publicly traded and has thousands of employees. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid off and closed my XXXX account, comenity bank, back in XXXX. I was billed for residual interest and paid it in full. The next month, received a bill in XXXX for another {$13.00}. I again, paid it in full. I was turned in as no payment which shows as a negative mark on my credit report. Now today, XXXX, XXXX XXXX, have a {$1.00} amount on that closed account pending. Please help me to end this nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, Vystar took down certain features of its online banking to update its platform. This outage was supposed to last through XX/XX/XXXX and was only supposed to impact bill pay and external transfers. Now, over a week since the outage, and neither I nor anyone else can get into online banking at all, through their app or through their website. Vystar refuses to provide an estimate on when these issues will be fixed. I rely almost exclusively on online banking for my needs. Not everyone has the time to go to an ATM or visit a branch, or sit on hold for ages for every little thing. And, their customer service hours are still limited. This is outrageous.

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 2022-05-22 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: FL

Complaint narrative:
According to the fair credit reporting act Account XXXX has violated my rights 15usc 1681 section 602 a states I have rights to privacy. 604 a 15usc 1681 section 2 states consumer agencies cant publish account without consent XXXX   and transunion

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 2022-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar had a scheduled 2 day outage now going on 8th day no way to check account XXXX XXXX deposits not going through and they have no answer

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 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I transferred {$1500.00} through XXXX from my XXXX XXXX account to my Chase account. Even though XXXX will not transfer money that is not available, Chase decided not to make funds available until XX/XX/XXXX. On XX/XX/XXXX I transferred {$1600.00} and the funds again were not made available. When I called I was advised that I should simply wait. There was no reason for the lack of availability except that I was simply unlucky. The difficulty is I have been advised by Chase that if I deposit a check, it will be held for five days and therefore the only way for me to move money expeditiously is through XXXX. Still, they refuse to make funds available. I believe this decision has been made to encourage overdraft behavior so they can capitalize on customers who are having financial difficulty. In the case of both transfers, the funds were already removed from my XXXX XXXX account, limiting my ability to spend. Whether I need groceries, to pay rent or keep lights on, the decision to arbitrarily hold funds they have clearly received ( this was verified by phone call ) makes no sense, unless they are trying to find ways to generate income by exploiting financially vulnerable customers. Banks should be required to let clients know if and when they are going to hold funds and the decision should be consistent and reasonable, including they should never be able to hold funds they have already collected, particularly when the method used to transfer has no way of recalling the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I made a {$3000.00} payment to XXXX XXXX on XX/XX/XXXX. This payment was an advance payment so I wouldnt have to pay monthly for whole year of XXXX. On XX/XX/XXXX I get a notification that my Experian credit profile is updated and that XXXX XXXX reported my account in collections. When I made the payment, it was over the phone and my account representative confirmed it was an advance payment for the following year. They are constantly fraudulently displaying false information on my credit report. The balance owed is also incorrect. It should be in the $ XXXX $ XXXX range.

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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Armed Forces Loans of Nevada Inc.
State: NC

Complaint narrative:
On XX/XX/2022, Armed Forces Loans said it would remove and expunge an account that is showing my credit report as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: IL

Complaint narrative:
I have been locked of my account for XXXX weeks now waiting on them to verify my account and I my payment is due this month but can not access my account to make my payments. There is no number to reach anyone and I have written in so many email tickets with no response. They say 2 business days you will get a response but I have yet to get a response. 

No one has helped me. I have screenshots of my email requests with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ive sent countless letters over the past year about an error on my credit report with transunion showing a Bankruptcy and I just get a default letter stating verified I've contacted XXXX XXXX  and the court they claimed they verified with and both sent me letters stating it wasnt with them Ive ask transunion several times what was the method of verification just to get sent a letter again saying verified. not saying when, or who, what day, what company, the person they spoke with, or the address of the company. I already called transunion after they send a letter stating that im a Credit company only to say they won't look at my dispute. I had to send another letter verified and get a signature just to say verified no other details

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 2022-05-22 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX / XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I moved out of XXXX XXXX XXXX a month before my lease was up in 2019. I even went to court and advised the judge I would move out the time I promised. XXXX retained Fairs Collections & Outsourcing to collect my due balance for breaking my contract. Balanced owed by the courts is {$1800.00}. Fairs Collections is reporting an outrageous debt amount of {$6000.00}. For years, Ive told them I would pay the amount I owe not the made up number thats on my report. They refused to take the payment.

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 2022-05-22 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: VA

Complaint narrative:
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 a account without my written instructions This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as Equifax XXXX XXXX and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX XXXX 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 cna not furnish an account with 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 non-monetary relief
Consumer complaint received 2022-05-22 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-22 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion mailed me a consumer credit report and did NOT provide me with a consumer credit FILE as I requested. Transunion is in violation of my federally protected consumer rights.

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 2022-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hi I was unable to use my Victoria Secret credit Card on XXXX XXXX. I was unaware that it was closed. I was embarrassed as I tried to make a purchase and it declined three times. I then called company to find out and they said it was closed on XX/XX/XXXX. I explained to them that I did not receive a letter or any type of message explaining reason. Theyre answer was they sent it in the mail. I never gotten a letter because I have paperless billing also I never received anything from message center as well. I asked why and they couldnt give me an exact answer. I have been with them since XXXX. I paid on time and just paid them off in XXXX of this year. I am very disappointed that my account has been closed and I did not give Permission to close my account. I have this account for my daughters. I cant understand why this has happened. There is no recitation on me asking to close my account. I have had this account for a long time. I had issues with them before lowering my account and making my credit score drop down. I had to call and inquire about this as well. I dont appreciate it and will not tolerate this type of association with my accounts. I would like this resolved and put into place as I would like my account reopened. This is inconveniencing me as well. Also my daughter is an authorized user. What if she would have gone to make a purchase and was not aware that account was closed. It doesnt make since to pay off a store credit card in beginning of this year and have it closed two months letter without warning. I believe Victoria Secret should at least send out an email or message stating why or telling you to use your card. They send everything else through messages. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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 a account without my written instructions This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX Trans Union and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem

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 2022-05-22 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: VA

Complaint narrative:
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 a account without my written instructions This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX XXXX XXXX and Experian have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem

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 2022-05-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 64510 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 XXXX not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 64510 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 XXXX not furnish an account with 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 2022-05-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account number starting with # 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 a 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 2022-05-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number XXXX 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 XXXX not furnish an account with 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 non-monetary relief