vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
In accordance with the fair credit reporting act this creditor " Toyota Motor Credit '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I called Suncoast for the first time on XXXX to report a fraudulent account. I had to call an additional 4 times to finally reserve a fraud investigation form. I filled out and sent back the form on XXXX. On XXXX I reserved a bank statement in the mail. where I saw the account that had been opened had {$4900.00} in it, when I was under the influence the account was closed. I called the bank again, they would not give me any information about the account because I was unable to answer the security question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Accounts are showing up on my account that I am unaware of and need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have multiple accounts linked with my account that I am unaware of and want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
on XX/XX/XXXX I withdrew {$9000.00} from checking account but I received only {$8000.00}. The teller used the counting machine so I didnt question that it was correct. When I got home I counted the money and it was missing {$1000.00}. I went back to the bank and had them re-count it. Below are my attempts to resolve the issue. In short, I had been asking to speak to a manager and see if video had caught what the counting machine counted. Below are my notes regarding multiple attempts to resolve, or make any progress toward resolution Date of transaction $ XX/XX/XXXX - {$9000.00} Received only {$8000.00} XX/XX/XXXX - went in to bank noticed missing {$1000.00} Teller XXXX, long conversation. Teller avoiding my request to speak to a manager ( approx 20 min ) Finally said she would see if the video would show the counter machine I asked to have manager call me back regarding video XXXX XXXX, the teller called me back ( not a manger as requested. She said she viewed the video did not show counting machine XXXX I called corp customer service Rep was trying to put in a complaint about missing {$1000.00} Was on the phone for almost an hour Finally said she couldn't and that I needed to go to the branch and handle it there. 
She said she could and would file a complaint for the teller / customer service I asked that she have the bank manager call me. She agreed XX/XX/XXXX no call from the bank - or anyone I called corp customer service again - spoke with XXXX XXXX also could not file a complaint and said I need to work with branch Gave me branch managers name : XXXX XXXX- I am back in MN and stopped back in to branch - XXXX, the manager is not there. 

XX/XX/XXXX left message for XXXX XX/XX/XXXX - XXXX called me Listened to what I said had happened. Was apologetic Proceeded to tell me what a great employee XXXX the teller is and what a long history they have working together I again asked that the video be checked Now XXXX says she has to put a request in for that and it can take some time. And she is not sure if it is even available since it has been so long but would see what she could find and call me back note per above : XXXX the teller claimed she saw it and called me the next day ( XXXX ) XXXX - no call from XXXX the bank manger I called 3rd time to customer service Talked to XXXX for over an hour Was able to file a case XXXX Stated these are very difficult to file and the others probably didnt know how to do it This phone call was also about an hour long She said to expect 2-4 weeks for a response but that I would hear back and not to worry- apologized for all the delays XX/XX/XXXX no call from Huntington Investigated my options outside of the bank Small Claims court (? ) XXXX : Friend of our family who used to own a bank out XXXX. Recommend filing a complaint with XXXX XXXX XXXX XX/XX/XXXX : filed complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
XXXX DISPUTE Important dates : XXXX - Lease matured, discharged from hospital XXXX - vehicle turned in via TOW TRUCK with receipt/GPS data XXXX - Honda Financial letter received saying vehicle has not been turned in XXXX - letter sent via certified mail to Honda financial disputing debt owed and that I had turned in the car to XXXX XXXX Have phoned XXXX XXXX at this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXX - call Honda Financial who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take 72 hours to deliver XXXX - reach out to head sales manager who has yet to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have multiple accounts linked with my account that I am unaware of and want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2022, I purchased an online coding training service from a company called XXXX, the amount I paid is XXXX USD. The service is a one-year subscription for any course offered on their website. 

I started XXXX XXXX XXXX Interview : Patterns for Coding Questions course shortly after the purchase. I was halfway through the course and was suddenly notified that the course will no longer be available, instead, I was introduced to another course that was supposed to be a replacement. 

Worried that I will lose any further progress on the old course, I switched to the new course even though the old one is not yet expired. The new course : XXXX XXXX XXXX XXXX in XXXX has multiple issues. 

To start with, the descriptions of course are not always clear. 

Another issue is with the online submission tool, this thing is buggy, and lacks debug function. I have to do all my code offline. 

The last issue is on the discussion function for any of the solutions, I was expecting some forum where I can discuss things with other learners, while the ask a question section is usually clean, and no one seems to be asking any questions. 

For the above reasons, I contacted XXXX XXXX to cancel my subscription on XX/XX/2022. The company refutes my request on the second day, saying it does not meet its refund policy. 

On XX/XX/2022, I talked to Chase, the credit card company that issued the card that I used for this purchase. I requested for a dispute on the purchase because I am not satisfied with the services I received. However, Chase replied that any service purchase, at the moment when the service has been used, does not qualify for a dispute. Therefore they can not start the dispute process for me on the purchase I made. 

The service I received is a one-year subscription for any course XXXX offered, the actual usage for me is XXXX courses, none of them completed. The total time I spent on the website is less than XXXX months, much shorter than XXXX year. I think I should be qualified for a refund, and Chase shall not refuse to start the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've been a customer with Capital One XXXX  since XXXX - back when they were called XXXX  XXXX  / XXXX, before Capital One acquired them. 

I thought my Capital One XXXX Account interest rate was 3.30 % as advertised on their website. It says : " Put your savings to work with one of the nations top savings rates. 
SAVINGS ACCOUNT BALANCE Any Balance ANNUAL PERCENTAGE YIELD ( APY ) 3.30 % '' When I reviewed my own savings account details ( several clicks into it ), it says my APY is actually only " 0.3 % ''. 

The last time Capital One emailed me about my savings rate was in XXXX when they noted it was 1.0 %. I regularly check their website front page to see the current interest rate. I assumed today I'd be getting the 3.30 % rate like they advertised. 

I noticed the discrepancy just today and immediately called the customer service line. 

They told me that I had a some savings account than the savings account on their website home page, and mine pays only 0.3 % interest. 

I asked them why I wasn't getting the rate that was advertised considering I was such a long time customer. I asked why my account summary page didn't mention that my Capital One XXXX Account was somehow different than the one they prominently advertise on their home page. They said my savings account type was no longer sold. They said they made up a new name " Capital One 360 Performance Savings '' and mine was just " Capital One 360 Savings ''. 

I searched my XXXX account where I receive Capital One notices and they never ONCE mentioned the term " 360 Performance Savings '' in any email to me, or that my account type no longer available and was being given a super low interest rate. It's like they were trying to deceive me and keep me on an extremely similar but completely inferior product. 

I wonder how many other customers they did this to - trick them into thinking they had a competitive rate as advertised on the home page, but then sneakily stick you in a slightly different named product which has XXXX worse interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I opened a high-yield savings account to take advantage of the 3.75 interest rate. Shortly after transferring funds into the account another bank account that I owned by a different bank XXXX direct offered a higher interest rate. And I initiated a transfer from brio direct to my XXXX account. 2 days later I received an email from brio direct stating that my account transfer was under review and my access to my account was locked. I contacted Webster Bank operator of XXXX XXXX  and they said my account was under review but I should hear something by the next day or two. I contacted brio direct multiple times in the following days and was always told my account was under review and nobody could speak with me about it. I submitted a copy of my driver 's license and bank statement on XX/XX/XXXX as requested and XXXX XXXX said they had received the documents and my account was still under review. And they said it would be a week or so and there was nothing I could do and they did not need any more information. I offered for them to transfer the funds back to the accounts they had come from but they said the account is locked and nothing can be done and the compliance department works at their own speed. it's been almost 2 weeks since the initial account locking and what I spoke with XXXXXXXX XXXX today XX/XX/2022 they said the XXXX department XXXX XXXX bank was still reviewing the account and they had no estimate on when I would be able to view my account or access my funds. I feel like brio direct has locked my account is holding my funds XXXX. And they can not give me a reason why it is being held or when they will be released. after having this issue I found they a lot of XXXX XXXX customers are having this same issues with this bank locking their account and holding funds when the customer tried to withdraw any funds from their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER 15 U.S. CODE 1681C-2 THE ITEMS SHOULD BE BLOCK AND REMOVED.

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I made 2 transactions with my chime account. I transferred XXXX from my XXXX account and I went to XXXX and added XXXX after that. I put the money on the card to pay for my utilities and the only reason I didn't do it immediately was because I needed to add another XXXX for the fee. My notifications said my email address was updated and next one said the phone number on my account was updated. This was at XXXX. I checked my phone and tried to access my account but I was unable to because all my info had been changed. I called chime immediately and I was on the phone with different agents for the rest of the night and I was just told to change my email address and phone number on the account but the card was still active. I sent them everything they requested from me and I still haven't received anything in regards to a resolution, they have not deactivated my account or card and they have failed to update the email address i gave as an alternative so I still can't access the account to see what transactions were made, i called twice since to have them correct the email address and they have not. Instead I am being treated like i am personally being investigated. There has been no response to refunding my money, and I have been receiving texts from the same people who have stolen my money and account info. They are saying that I authorized the transfer. If I had, I would not have changed my info before I allowed money to be transferred from the account. I feel like I'm being treated like this criminal while they continue to access my info, and now texting me and asking me to send my access code. I have spoken with my family and friends and those who have had any problems such as mine all said either they were notified about the activity and they all had the funds returned within a few days and without the extra that they should have used to protect my account instead of making me feel like I did something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX and 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 furnished my account without my written instructions.

15 U. 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 credit reporting act.

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 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 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
XX/XX/XXXX Santader Consumer USA changed the term of my loan without my knowledge or consent and did this based on the dealer submitting XXXX separate forged loan documents. 
XX/XX/XXXX I notified Santander of my assertion of dealer fraud and Santanders responsibility to me if I suspected dealer abuse and fraud. I informed Santander that I never signed the loan document nor did I agree to the purchase of the back end ancillary products added to the loan contract. I requested copies of these documents from both the dealer and Santander. The dealer has yet to provide the documents and Santander finally sent me a copy of the loan documents on XX/XX/XXXX. After reviewing them it is obvious that they were forged because I never signed them. 
I reminded Santander of the permanent injunction that Santander was violating and begged them to work with me. 
XX/XX/XXXX I removed the authorization for auto pay from the external accounts associated with my loan. I did this online and over the phone. Santander ignored this request and XXXX payments were taken from XXXX different accounts XXXX of which was my business account which forced it to close. 
From XX/XX/XXXX until XX/XX/XXXX I emailed, called and wrote Santander regarding the inability to make the payments and the loan was in default. 
XX/XX/XXXX Santander repossessed my car but the tow truck driver failed to provide me with the documents for a legal repossession. 
XX/XX/XXXX I received a call from someone claiming to be from the XXXXXXXX XXXX. This person told me that they sent out a copy of the loan document and the deficiency notice required by law. To date I have not received anything from Santander. 
It is my assertion that Santander bought this loan from the dealership with forged signatures, changed the term of the loan and withdrew money from XXXX checking accounts that were unauthorized and not legal. 
I also assert that Santander violated the class action permanent injunction dated XX/XX/XXXX were Santander must watch out for signs of dealer abuse and re evaluate all loans if they default within a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Greetings, It has been a couple of months since we started to get an explanation and straightforward answer to my question. However, we are still waiting for a response to that effect. We have attached the tax document we obtained from XXXX XXXX office and the first page of the closing Document to give you an idea of why we were requesting an explanation of how my monthly payment increased from {$1800.00} to {$2500.00} with a monthly increase difference of {$690.00}, which make XXXX 12 months. We also need help understanding that the escrow shortage you have reported amounts to {$5200.00}, which we didn't accept your explanation for, is {$5200.00}, which leaves a {$3000.00} with no description. 

This differs from the original payment agreement we signed when we closed the house. We understand taxes and insurance amounts change, but this change needs to be clarified. Since you took the payment before we agreed and understood, we have deactivated the autopayment I set up. From here on, We will only send the original settlement of {$1800.00} until we settle the issue. Please send us the address where we can send the following payment before it is due. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation