vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by UPSTART HOLDINGS , INC. d/b/a UPSTART. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by UPSTART HOLDINGS, INC. d/b/a UPSTART on XX/XX/2021, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART HOLDINGS, INC. d/b/a UPSTART adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), UPSTART HOLDINGS, INC. d/b/a UPSTART is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I used my personal identification and credit card information defined under 15 usc 1602 ( f ) to open an account with Navy Federal Credit Union. Navy Federal Credit Union is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Navy Federal Credit Union has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Navy federal is also in violation of 15 USC 6802 1 ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation on how I could exercise the nondisclosure of my personal information and I also was never give the opportunity to prevent the disclosure of my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand  for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit

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 2021-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand  for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion reports two credit inquiries on XX/XX/XXXX to XXXX XXXX XXXX and XX/XX/XXXX by XXXX XXXX. I did not initiate any credit requests with either of these companies and the requests were likely made fraudulently by someone that was using my identity based on data breaches and dark web information. I requested Transunion remove the inquiries and they initiated file XXXX and told me I needed to file an FTC report. When I went to FTC site I was forwarded to CFPB. Please instruct Transunion to remove these fraudulent inquiries. Each of the credit bureaus were notified of the potential fraud and placed a one-year fraud alert on my credit report during XXXX. Let me know if you need more information.

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 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc
State: SC

Complaint narrative:
Possible financial i never open this account and anybody can go online and sign and open accounts i first seen this account when i look at my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I sold my house and a Pnc XXXX XXXX XXXX was to be paid in full. This was included in my XXXX decree. XXXX XXXX XXXX submitted the payment for the loan to be paid off the date we sold the house XXXX XXXX, 2021 in the amount of XXXX check number XXXX which was received by pnc. I have made multiple calls spending many hours on the phone with them and getting nowhere. It was on an automatic withdrawal on the XXXX of each month. They charged me last month with a fee because the money wasn't in there but they did reverse it so now it's probably going to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to 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 non-monetary relief
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to 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 non-monetary relief
Consumer complaint received 2021-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to XXXX Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, Experian, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft

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 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was attempting to get a medallion signature for my XXXX XXXX annuity claim after his death on XX/XX/21. Not only was I dismissed by XXXX XXXX on multiple occasions, but he was poorly informed and did not provide the assistance needed to get a notary signature. 

I was an intermediary between XXXX XXXX and XXXX financial. This started in XXXX and required XXXX visits to the PNC bank in XXXX XXXX. The issue was that XXXX XXXX insisted on a complete statement from XXXX XXXX showing the annuity was invested in a security. XXXX stated they could not do that and felt that it was unnecessary. I have XXXX XXXX who did not have to go thru this harassment and were able to get their claim satisfied which is why I am reporting XXXX XXXX 's behavior. 

Finally, I was helped by someone other than XXXX XXXX and was able to get a notary signature. I was told by XXXX XXXX  that a medallion signature was not necessary despite XXXX XXXX 's insistence. All that was required was my driver 's license and validation of my signature. 

It has been difficult enough to lose my XXXXXXXX and another to be treated with such disregard. I am XXXX XXXX XXXX and have never filed a complaint against anyone. However, his behavior needs attention and XXXX XXXX needs sensitivity training and reeducation on how to handle annuity claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CT

Complaint narrative:
Received a communication from Real Time Solutions for a debt that the system of litigations is expired on. Also, the debt was reassigned in a court agreement to another party and the debt origiinator failed to respond at the time the debt was settled in housing XXXXt. A cease and decsist letter regarding their communications was sent to them as well by return receipt certified mail also advising them of this and that continued efforts would be reported. They continue to send correspondence after this which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: NC

Complaint narrative:
On XX/XX/2021 I received XXXX letters from Equifax that stated in them 'As a result of a dispute you submitted the account listed below was removed from your Equifax XXXX file. The company that furnished the account information recently requested to have the account information reinserted on your Equifax credit file and submitted a ceritifcation ... '. For these XXXX companies and now it is XXXX on the exact same date ( the XXXX was cutup by mistake by the USPS Office and they sent later a copy of the same letter as well for a fourth company ). I disputed the fact the company furnished the account information, as it would be impossible for all XXXX companies to inform Equifax on that same date and ONLY Equifax PLUS they were all under a CEASE and DESIST Order which this would have violated those multiple orders with the XXXX XXXX This summarily verifies EQUIFAX has a software error or a human error that caused these XXXX credit file items to erroreously re-appear on my credit file after having spent months having them removed. I asked for the PROOF that 'the company ' requested to the the information reinserted and received absolutely no reply except the fact that scores change downward or upward based on many factors. This rhertic does not constitute the truth nor even an attempt to perform any due diligence on what actually occurred. I am attaching some of the infomration that can be used in a discovery mode in order to immediately correct this client 's credit file with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IN

Complaint narrative:
It is the third time I am submitting the complaint since this is the only way I can get some responses related to the issue itself though the problem has never been fixed. Don't ask me to call your stupid customer service. In the past more than one year, it has never worked even tiny little bit. 

The first time I submitted the complaint in XXXX and the case number is XXXX. And then I am not satisfied about what you have replied, so I filed another complaint in XXXX, case number XXXX. Then another three months passed, it still doesn't work at all. 

I'am tired to repeat what happened over and over again ... .I know you can find these cases so you can refer what happened and what request I have. 

Here is the last response from your side. 

As stated in our enclosed letter dated XX/XX/XXXX, we placed a hold on your account and online user ID due to irregular transaction attempts observed by our bank on XX/XX/XXXX. Our prior response also explained the remaining funds from account ending in XXXX, totaling {$2000.00}, were placed into a general ledger account held within the bank, as the funds will be returned to the originator. We suggested that your friend contact their payroll department, who can work with their financial institution, and request that they send us the appropriate documentation. As a courtesy to you, a request to return funds has been sent to XXXX XXXX XXXX, on XX/XX/XXXX, on yours, and your friends behalf. Once we receive a response back from XXXX XXXX XXXX, we may return the funds to them. Please understand this is a bank to bank process which often can take several months to complete. Being a bank to bank process, the details and status of this process can only be discussed with the originating banks. 

I think the situation is pretty clear and I don't understand why your side made it such complicated. I provided all evidences to support everything I said is true and you should simply return my money to me. Even if as you said you will return it to originator, why to me it will take like a century long? Tell me where the money is, and does XXXX  replied you, if not, how long it will take for them to replied you, three months is several months, and three hundred months are also several months. You say " we may return the funds to them '', which means if they don't reply, you will hold it forever and never give me back? 

I am your customer, don't treat me like I am a thief. It's already beyond my tolerance. I can wait but I want to emphasize I need the problem completely fixed ASAP.

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 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I am writing to report that Coinbase misrepresents fees during conversions from XXXX cryptocurrency to another type of cryptocurrency. When performing a conversion, the user interface states that the Coinbase fee is {$0.00}. However, they are clearly charging a percentage of the total transaction as a fee. 

This can easily be determined by downloading a user transaction report. There is a fee column, and it usually equals 2 % - 3 % of the total USD value of the transaction. 

I contacted Coinbase XXXX and Complaints seeking clarification. They stated that the difference is due to market volatility, and that they are not charging a fee. However, there is clearly a fee column on their transaction log. Also, market volatility would not create such a reproducible result. If it were due to market volatility, this would some time favor the end user. That never occurs. 

I will attach the transaction logs to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, XXXX, Transunion on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft

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 2021-12-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail Equifax, XXXX, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX someone without my authorization unlock my credit to apply for a American express and got XXXX alerts from XXXX different credit agencies XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the Document down load you will find dates ranging from XXXX/XXXX/2021 to XXXX/XXXX/2021. 

I put a time line together, then attached supporting documents. 

Please help if you can. CapitalOne and XXXX are acting unethical and not reasonable at all. They both fabricate information as you will see from picture 's and documents. 

I do not understand why companies such as CapitalOne and XXXX would try to pull scams as they have done with me.

Company response to consumer: Closed with explanation