vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
During the pandemic, I was receiving unemployment benefits on a Bank of America prepaid debit card. My wallet was stolen, along with my EDD prepaid debit card. Fraudulent charges were made. A report was filed. I continued certifying for benefits. 
Only recently have I been able to reestablish my identity and verify. In the meantime I filed an appeal, which I won! All the disqualified weeks I had certified for were finally approved and monies deposited to Bank of America prepaid card services. I was unaware of all this until four days ago or so. 
I noticed an email in my inbox from BofA prepaid services. It had been there a month. The email simply stated there were changes being made, and that I needed to service my account. I called the number provided. I spoke with several representatives who confirmed my identity over the phone. I was instructed to go to my local BofA and once again prove my identity in order to regain access to my funds. I did. 
However, after all these years without benefits, and all this identity verification? BofA says my account has been closed, and they can not issue me a new card! They say this is because my EDD claim is no longer active. My account has been closed. They refuse to release my money to me. They said it depends on EDD? 
How can this be? Regardless of my unemployment claim status, my pending weeks of certification were approved. Funds were deposited into an account bearing my name. Why am I still not allowed access to my monies? 
Please help me understand how any of that is legal? Please help me understand what needs to be done in order for me to receive my funds? Your help is much appreciated. 

Thank You, 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 2023-05-06 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: OH

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report 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 2023-05-06 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: OH

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I'm concerned about the additional products that I was told I had to purchase plus the high rate of interest down payment etc etc with credit acceptance I filed a complaint with the attorney already but I mean I'm trying to make sure that I follow through with all the steps

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 2023-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This Company Credence Resource Manage Wrongfully Reported this account XX/XX/2023 without Notifying Me of This Debt This Company is unlawfully reporting a Debt That they never notified me about I am heartbroken that this Company is Furnishing inaccurate and incorrect information!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: IL

Complaint narrative:
Dear Whoever this may concern, I am writing to express my deep concern and disappointment with the services provided by XXXX XXXX. I have recently become aware that the company has opened an account in my name without my consent or authorization on two separate occasions, the first being on XX/XX/XXXX, and the second on XX/XX/XXXX. 

As a consumer, I have the right to be protected against identity theft and fraud, and the opening of accounts without my consent violates this fundamental right. Furthermore, I have informed your company that the account in question was the result of identity theft or fraud, and have requested that it be removed from my record. Despite repeated attempts to resolve this issue, I have not received a satisfactory response from your company, and the account remains on my record. 

I believe that the actions of XXXX XXXX constitute a violation of my consumer rights, and I demand that immediate action be taken to rectify this situation. I am also requesting that you provide me with a written explanation of the steps that will be taken to ensure that this type of situation does not occur again in the future. 

I look forward to a prompt and satisfactory resolution of this matter. Please be advised that I will not hesitate to take further action to protect my consumer rights if necessary. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
I've had several charges on my cash app card of which are unauthorized. I have disputed with cash app and been denied. I recently had my banking info that was associated with cash app compromised which I believe is where these charges stemmed from. I know they are currently under investigation for not properly investigating fraud claims. I feel like at this point they are actively aiding in my funds being taken fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Usaa Bank has taken fund from my account that was never credited from a fraud dispute. My account was hacked and XXXX  XXXX  was used. Usaa owes my {$68.00}. They never credited the account for the amount but deducted stating it was

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: IL

Complaint narrative:
Dear Whoever this may concern, I am writing to express my deep concern and disappointment with the services provided by XXXX XXXX. I have recently become aware that the company has opened an account in my name without my consent or authorization on two separate occasions, the first being on XX/XX/XXXX, and the second on XX/XX/XXXX. 

As a consumer, I have the right to be protected against identity theft and fraud, and the opening of accounts without my consent violates this fundamental right. Furthermore, I have informed your company that the account in question was the result of identity theft or fraud, and have requested that it be removed from my record. Despite repeated attempts to resolve this issue, I have not received a satisfactory response from your company, and the account remains on my record. 

I believe that the actions of XXXX XXXX constitute a violation of my consumer rights, and I demand that immediate action be taken to rectify this situation. I am also requesting that you provide me with a written explanation of the steps that will be taken to ensure that this type of situation does not occur again in the future. 

I look forward to a prompt and satisfactory resolution of this matter. Please be advised that I will not hesitate to take further action to protect my consumer rights if necessary. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
On XXXX XXXX, 2023, I mailed a power of attorney to American Credit Acceptance , LLC and a letter expressing that I was the BENEFICIARY and or AGENT for the PRINCIPAL DEBTOR and I requested the CFO of American Credit Acceptance , LLC to transfer the credits from the Principal Balance to the Principal Account for Set Off on the Security Account being managed in Trust for the Principal Debtor and I was denied. American Credit Acceptance , LLC refuses my acceptance of the coupons and or bearer bonds and or presentments and or XXXX XXXX XXXX, denying my tender of payments and after numerous failed attempts to tender payment, I requested a payment investigation that I never received an answer for, so I also requested a Full Securitization Audit for my account, as well as the original contract and or Installment Loan and or Security Agreement between us with my wet ink signature, along with proof that my Original Promissory Note and or Security Agreement and or Installment Loan had not been securitized discharging all debt. Instead of American Credit Acceptance , LLC sending me the documents, they sent a letter stating that they deny my assertions yet never giving any rebuttal for my above demands. After this attempt, American Credit Acceptance , LLC hired a third party XXXX XXXX that I dont have a contract with, giving them my private source data information without my authority or the authority of the PRINCIPAL DEBTOR to repossess my vehicle against me asking them not to before I could receive information about my account for my accounting purposes in order to address payment issues. The repossession was a Breach of Peace because American Credit Acceptance , LLC, hired a third party repossession agency without giving me an Arbitration Order or Court Order and ( XXXX XXXX ) repossessed my vehicle after I asked the towing and or repossession employee not to take my vehicle because I had a public interest filed on the vehicle which is used for family and household purposes which will cause damages to my livelihood and the towing and or repossession employee hooked my car up to the tow truck and took my vehicle anyway and this took place at XXXX XXXX on XX/XX/2023 at my apartment in Illinois. I never surrendered my rights or interest in the vehicle, neither did I default in non payment because American Credit Acceptance , LLC has accepted multiple late payments for the Account in the past if that was the issue and I had a payment investigation in process before the repossession

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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:
the car was sold for XXXX I put down XXXX the loan book came with a XXXX for a used car with XXXX miles I was told my payment would go from XXXX to XXXX in 6 months all lies I want to join the law suit going for credit acceptance corporation XXXX XXXX XXXX car dealer ship that is making these XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06 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: GA

Complaint narrative:
I had a Victoria secret/comenity credit card for 6yrs 3 months. Never a late fee. In fact they were sending me checks where I over paid them. My limit was XXXX. I used my card for XXXX. I paid XXXX XX/XX/XXXX inside the store on my card balance. Which brought me to zero. They then was charging me for not using the card. Lowered my limit to XXXX and eventually closed my account. Stating charge off as bad debt and purchased by another lender. They then sold my account to collection agencies and I have disputed over and over for yrs. I'm tired of going through this with them. I had 2 collection agencies on my credit at the same time. Victoria secret is saying I owed XXXX Bucks. This is not correct. I paid my bill and they should not be able to get away with charging people fees for not using their card. That's not fair at all. XXXX XXXX  has had my account since XX/XX/XXXX. They continue to send me statement saying I owe this bill. I refuse to pay for something I did NOT charge. Please help me stop these collections and credit my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Applied for a loan twice with rocket mortgage The first time office didnt even look at proof of income so we were denied *Debt to Income : Non-self Employed Income not supported So I the second time I called to complain about issue and loan officer said no you shouldnt have problem I have done plenty of loan like this we could try one more time so I got convince it would work we evening put an offer on a property he assured realtors that everything was fine and approve by underwriting. Working and submitted docs for 21 days he even extending closing date thinking we were going to close on house. Before I knew it the loan was denied for same reason : *Debt to Income : Non-self Employed Income not supported. Everything was submitted we said no playing around before putting an offer we wanted to make sure we were 100 percent approve but I guess not its a joke. We lost house and inspections fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I use Simmons bank for my business banking, and have 5 accounts with them. I have a primary account that my credit card sales are deposited into and is tied to my debit card, an account that I move sales tax to, and account that I use to write checks out of, in order to prevent vendors from charging my card and drawing funds before a check is deposited. I have scheduled transfers to from the primary to the tax and account I write checks from, however, instead of declining the transfers like they do with my manual transfers, they are allowed to process and then incur overdraft fees. 

When I reached out to Simmons, they told me that it was part of my overdraft protection and that I couldn't turn it off without turning off all my protection. I don't understand why the scheduled transactions would be allowed to go through, but the manual transfers are blocked. I try to be very diligent about preventing overdrafts, but this is surprising and disappointing.

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 2023-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THIS COMPANY DONT HELP XXXX PEOPLE AND TRY TO HOLD THEM BACK BY LYING TO THEM ABOUT THE LINE OF CREDIT AS I KNOW THAT IM THE SERCURE CREDITOR AND THEY CANT DENIEL ME A EXTENTION OF MY OWN CREDIT THEN WHEN TOLD THAT THEY WAS VIOLATING 15 U.S.C. 1611 THEY STILL DID NOT CARE AND STILL STAY WITH THEIR LIE ... ... ..I WILL BE FILING A FEDERAL LAWSUIT BECAUSE IM BEEN TRYING FOR 13 YEARS AND BEEN TOLD THE SAME THING FOR 13 YEARS THIS GOT TA BE THE BIGGEST XXXX  PROBLEM I BET IF I WAS XXXX  IVE BEEN HAVE MY CREDIT THE RIGHT WAY WHEN I NEVER MISS A PAYMENT OR BEEN LATE THIS IS BECAUSE XXXX XXXX AND IN THE WRONG AREA FOR CAPITAL ONE SO THEY MAKE ME LIVE THE WAT THEY THINK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
called Pro Collect .com back after several voicemails to my mobile phone. I was told that I owe money and to go to their website to pay the amount or file a dispute. The apartment complex that they are saying I owe money to is fake. I do not owe them any money it is a scam.

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 2023-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact 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