vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: HI

Complaint narrative:
I have been experiencing ongoing issues with Robinhood Financial LLC due to their lack of effective customer support and failure to resolve my concerns. I have submitted multiple inquiries and provided all requested documents, but Robinhood has failed to review or acknowledge these submissions. The only responses I receive are automated, bot-generated emails that do not address my specific issues, and there is no way to connect with a live representative. Despite their claims of offering XXXX chat support, this service does not exist, and I have been left without meaningful assistance or updates. 

The most critical issue is that Robinhood is withholding my funds, which I urgently need to pay for rent and other essential expenses. They will not allow me to withdraw my funds or transfer my account to another broker, leaving me financially stranded. I have requested clarification and resolution for these concerns, including direct communication with a representative, acknowledgment of the submitted documents, and updates on the status of my case. However, Robinhood has consistently failed to provide any personalized or substantive response.

This lack of communication, accountability, and transparency has caused immense frustration and financial distress. I am seeking immediate intervention to ensure Robinhood releases my funds, allows me to transfer to another broker if necessary, and provides the support and resolution I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Technical errors on the websites of the three major credit bureausXXXX, XXXX, and TransUnion has actually prevented me from accessing any of my credit reports. 

0 customer support from any of the three bureaus.

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 2024-12-31 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Technical errors on the websites of the three major credit bureausEquifax, XXXX, and XXXX has actually prevented me from accessing any of my credit reports. 

0 customer support from any of the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This account XXXX was resolved through a settlement agreement on XX/XX/year>, and the agreed payment was made in full to satisfy the balance. 

However, the charge-off continues to appear on 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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: AR

Complaint narrative:
This is the pmt history : Principal Interest Fees Pmt Amt Balance Payment XX/XX/year> {$36.00} {$160.00} {$0.00} {$200.00} {$6000.00} Payment XX/XX/year> {$100.00} {$140.00} {$0.00} {$250.00} {$6000.00} Payment XX/XX/year> {$240.00} {$54.00} {$0.00} {$300.00} {$6100.00} After making payments above the amount due, instead of paying towards the principal, it was only added to the interest rate. I have made three payments on a loan that was for {$6200.00}. So fay I have paid {$700.00} towards the loan and the current payoff amount is {$6000.00}. 
SO out of the {$700.00} paid, only {$190.00} went toward the loan. When I called to ask about it, I was told, " that is how this company works, just pay the amount due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
THIS IS UNRELATED TO PREVIOUS COMPLAINTS : Robinhood has locked me out of my account. In order to contact support via chat or phone, I need to be able to log in. I have emailed support to no avail. I do not have access to my account, I can not request support from Robinhood without access, and they have made no attempt to contact me to regain access. They sent a generic email saying to look out for a request in the app to upload documents. I replied and said I have been locked out of my account so how would I be able to do this. They responded telling me my case has been closed. But I still do not have access to my account and do not have any responses on how to regain access. How can my case be closed and no one contact me about regaining access to my account yet I do not have access to my account or my money. They are telling me the opposite information they are telling CFPB. And they are not responding to my multiple attempts to get information. They also only allow you to access the chat or the phone number if you can log in ( which I can not ). The customer support number is a voicemail telling you to login and request a call back. But if you can't login you can't request a call back. Chat is only accessible if you can login too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding a charge-off listed on my credit report for {$5700.00} by Capital One XXXX For the reasons outlined below, I believe this charge-off is inaccurate and unfair. 

-Inaccurate Reporting : The creditor has reported a charge-off on my account, but I was not notified properly, nor was I given the opportunity to resolve the debt before the charge-off. 
-Violation of Fair Credit Reporting Act ( FCRA ) : I believe this charge-off may have been reported in violation of FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: NV

Complaint narrative:
I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the 504 also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S.

Code 1681n ) Was not provided a 1099 c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: NV

Complaint narrative:
I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S.

Code 1681n ) Was not provided a 1099 c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
Initially when starting the account, I was given a faulty username. I was on call with an associate to help me find/ apply a new username. The associate incorrectly input my username with different letters, they offered not alternatives to recover the username. This caused me to make a late payment after I experimented with usernames. 
This will tie in with the date of the first late payment made to the account I called in to make a payment via phone on XX/XX/XXXX. Their system flagged a late payment. Again, my username changed, and I did not receive an update or find a way to find my username. 

Fast forward to today! XXXX XXXX, the username is incorrect again. I tried recovering via email, never received an email. 

I called in asking to have someone help. I was told they don't do recovery via email, which is against what it says on their page. 

When i asked if i could reset or receive the email via phone i was told i would have to do it via customer support, which they arent customer service? I literally called the number listed on their website. 

The associate told me to call the number on my card to have it reset. The number on my card is no longer apart of the company, and is marketing another service to me unrelated to the credit card. 

This company is clearly engaging in malpractice, making it exceedingly difficult to make payments on time or to help their customers recover passwords/ usernames, which they themselves change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently ordered a copy of my credit report and noticed that it had fraudulent activity on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The company is garnishing my wages for 25 % after taxes after they lost a class action lawsuit for predatory lending practices. Because of the garnishment Im having a hard time managing my finances and they are still reporting to my credit monthly even though they are garnishing my earnings biweekly

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 2024-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not reporting on my credit file this has been going on for a while. If I ask to speak to a supervisor, I am promised they will attend to my file nothing happens. My credit score keeps on going down, I have asked several times to update information, nothing happens.

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I'm receiving 45+ phone calls per day, 7 days per week from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery, XXXX XXXX XXXX XXXX etc. It's ridiculous from XXXX. Non stop, 4-7 calls in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: GA

Complaint narrative:
I received a letter from Vengroff William, INC trying to collect debt for an overtime XXXX rental in the amount of {$260.00}. They explained that the amount was owed since XX/XX/year>. I have never rented a XXXX and spend most time out of the country. I also called XXXX with the reference number ( XXXX ), as well as account number ( XXXX ), and they told me this account never existed. The representative at XXXX stated that they have received numerous calls from people who have been billed by Vengroff Williams claiming they owed money due to a XXXX rental. This company is trying to commit fraud by creating a false debt collection. A quick XXXX search will show how many people have received this type of fraudulent letter. Vengroff William, INC 's address in XXXX XXXX XXXX, XXXX, FL XXXX. They ask checks to be mailed to Vengroff Williams , INC - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX. Their phone number is XXXX and their fax is XXXX. Vengroff Williams , INC is also unable to produce any evidence of such rental. I think government action needs to be taken at this time since this company is using predatory tactics to try to get consumers to pay debts that have never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX, Equifax and XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. XXXX XXXX XXXX {$53000.00}, Opened XXXX. XXXX, XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX . {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX  In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX, XXXX and Experian Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. XXXX XXXX XXXX {$53000.00}, Opened Sep. XXXX, XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX . {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX XXXXXXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Thank you for your time, XXXX 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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
Gm financial has continued to call multiple times every day, leaving messages even after a payment arrangement was made the week and day before and notes were put on account. 
Very harrasing

Company response to consumer: Closed with explanation