vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have 5 credit card 1 XXXX XXXX  charge me over pay 2 barclays jet blue card I`ve been paid one year my balance is not goin down I call tehm they told me for let fee and chrge I have credit card XXXX XXXX XXXXXXXX i need help to pay my all the cridit card plesse help me

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 2023-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This Loan was offered under false pretenses. I am writing to file a complaint regarding the exorbitant charges associated with my car loan credit acceptance, which has placed a significant financial burden on me and has negatively impacted both my credit report and personal life. I urge you to investigate this matter and take appropriate action to rectify the situation. I entered into an agreement with Credit Acceptance on a car loan on XX/XX/XXXX XXXX was sold a car for {$17000.00} and Charged a 22.99 % APR which turned my XXXX car into a {$31000.00}. Credit Acceptance as well as the dealership sold me a car that had faulty breaks. According to XXXX, the car had 3 recalls because of this issue. the car had 3 owners before me and was involved in several car accidents before me. I have taken the car to mechanics for the faulty breaks over 4 times. When buying this car I was not provided a car fax at the dealership which could have prevented all of this had I known. in XXXX  because of this faulty break I was in a car crash that nearly took my life. I was unable to recover the car and till this day I am being over charged for a car that I no longer have, and I no longer know its whereabouts. I am also being charged late fee 's on this car. 
I believe I was taking advantage of not only by the dealership but also by Credit acceptance. I believe I am a victim of predatory lending which is Illegal in the state of NJ where I originally got the car from and in the state of new York where I live. The stress of constantly worrying about payments, which is constantly dropping my credit score, and experiencing a decline in my creditworthiness has taken a toll on my mental and emotional well-being. I am seeking your assistance in rectifying this unjust situation. I kindly request that you investigate the terms and conditions of my car loan agreement and take appropriate action against Credit Acceptance for their predatory lending practices. I believe that such practices not only exploit vulnerable consumers but also undermine the principles of fair lending and consumer protection. I kindly request the following actions be taken.

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 2023-07-16 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-16 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:
BOA Class Action Lawsuit XXXX 
XX/XX/XXXX {$220.00}, XX/XX/XXXX {$220.00} money deducted why?, XX/XX/XXXX {$220.00} Temporary credit expires XX/XX/XXXX {$220.00} : XX/XX/XXXX, XXXXDirect deposit {$950.00} = {$730.00}, XX/XX/XXXX Direct Deposit {$950.00} = {$690.00} and continued to XX/XX/XXXX {$300.00} received XXXX Temporary credit from BOA ( Man in the middle just like XXXX XXXX ) my response on fixed income please do not take my money please I'm XXXX. never deposited back in my acct so acct still active until paid in full {$100.00} a day if not paid back {$3000.00} a month after per month until paid in full .US law fraud, embezzlement Branch mgr refused to talk to me said XXXX  was stealing my money spoke to associate said that she would testify on my behalf half. BOA in XXXX  XXXX Ca XXXX her name is 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 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 
Thank you. Sincerely, XXXX  XXXX 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 2023-07-16 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 accordiance with the fair credit reporting act, 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: VA

Complaint narrative:
in accordiance with the fair credit reporting act, 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, 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 2023-07-16 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: CA

Complaint narrative:
I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-07-16 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: AL

Complaint narrative:
I have called and sent a letter to this credit reporting agency about the following errors and violations. My Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please note that XXXX XXXX XXXX XXXX XXXX XXXX is not my current or previous address and should not be listed on my credit report 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 XXXX XXXX XXXX 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. These items have been reported inaccurately and without my consent which i have disputed. I have attached proof of the dispute letter that i sent certified, as well as the inaccurate results of Equifax 's investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: NY

Complaint narrative:
Robinhood has embezzled my money for over a week now and I did not authorize my funds be held or restricted by Robinhood. My funds must be returned to my original funding source. 

Robinhood must reverse my deposit back to the funding bank account. This practice is illegal I do not want Robinhood 's services at this point and their company is now unauthorized to hold my deposited funds as no services where provided me. I will be making a law suit and placing reports with the OCC, SEC and XXXX. 

Furthermore Robinhood sent me an email today stating my instant deposits are now unrestricted however upon me attempting to instant deposit my funds back into my bank account Robinhood canceled this transaction, contradicting their own email which they sent me ; my instant deposit is currently still restricted : see the attached screenshots of the email communications between Robinhood and I, which confirms Robinhood 's negligence in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/23, I used my card ending in XXXX to purchase several items on XXXX due to their XXXX XXXX event. The transactions went through without any problems. However, the following day on XX/XX/23, I noticed I could no longer view my entire card number online, which is a feature US Bank offers ( See Picture XXXX ). Consequently, I called in only to have several representatives tell me all my accounts were closed. I soon called the XXXX number to get an idea why all my accounts were closed and the representative told me it was because of gift card purchases on my card ending in XXXX ( See Picture XXXX ). However, the transactions are still pending and will later be reversed because the transactions have been refunded. So all in all, it seems US Bank waited for me to complete the {$2000.00} minimum spend requirement ( XXXX XXXX XXXX ) to get the signup bonus valued at {$500.00} on the card ending in XXXX and then closed all my accounts a day later without notice.

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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: UT

Complaint narrative:
Chime has all my funds locked up and say they cant verify my identity and wont give me my money since XX/XX/2022. Ive provided my ID, mairrage certificate, birth certificate, copy of my apartment, etc. & no matter what I do or how many times I call, they say Im just out of luck. They have {$7400.00} in my checking & {$3100.00} in my savings and $ XXXX in my credit builder accounts that they will not give me access to!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. 

I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/2023 IN RESPONSE TO MY REQUEST MIDLAND DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS.

MIDLAND CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS.

ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? 

THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NE

Complaint narrative:
I was incarcerated from XX/XX/XXXX and my car, purse everything was stolen from my apartment. I had XXXX deposits made during this time from my employer totalling almost {$2000.00}. As the expected money was not there I made contact via the jail phone with Chime regarding this as I was unable to make bail. The first contact was made on XX/XX/XXXX. The corrections officers from the jail had to monitor the call and can also verify this. I then made a police report and provided them with the information. I contacted Chime have them the letter from the jail and police report along with the officers information handling the case. I asked them to suspend all outgoing transactions and lock the cards. They did not it resulted in more money being taken out. They have repeatedly denied my claims to have money returned to me. I have appealed and spent many hours in the phone, resubmitted the proof electronically and by mail. They denied due to portions being peer2peer transfers and the debit transactions due to used online. I do not know the people who stole the money, I did not give them the pin or access code to my phone or permission to use any funds. I notified them the same day I was aware the funds were stolen and then they were negligent allowing an additional {$740.00} to be withdrawn leaving me with XXXX cents. I would like my stolen money returned to me as I have followed all protocol and have proof of what I'm saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: UPGRADE, INC.
State: NC

Complaint narrative:
Due to COVID I had to become delinquent on this account and entered into a debt settlement arrangement. According to XXXX XXXX, we have had an active settlement in place with Upgrade since XX/XX/XXXX  where I have paid an agreed upon amount after the account was charged off. They are inaccurately reporting my account as opened still, and hitting my report with late payments falsely. I have tried to reach out to them with no such luck. I have filed reports with the credit bureaus as well and the info has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Due to COVID I became delinquent on this account and was no longer able to pay on it. I went with a debt settlement company called XXXX XXXX who entered into a settlement with Capital One to pay an agreed upon amount starting XX/XX/2023. I have been paying on this account and still getting marked with late payments as if the account is opened, yet it is marked as close on their own website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation