vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a payment to a XXXX XXXX, a XXXX company on XX/XX/2022 using PayPal. Pay Pal did not give me the opportunity to send US dollars. The only option was to have PayPal convert the payment to XXXX dollars. PayPal used a below market exchange rate ( XXXX ) to convert my {$2900.00} US to XXXX XXXX. The market rate on XX/XX/XXXX was XXXX, which should have resulted in my seller receiving XXXX XXXX. This is a difference of {$160.00} XXXX. The seller is now requiring me to send another {$100.00} US to cover the discrepancy. 

I believe that PayPal cheated us out of {$100.00} XXXX by using this below market exchange rate and would like CFPB to compel them to use a market exchange rate, and reimburse us for {$100.00} US. 

Here is the receipt for our payment : You sent {$3700.00} XXXX  to XXXX XXXX XXXX XXXX XXXX  YOUR NOTE TO XXXX XXXX XXXX XXXX XXXX Final Payment for XX/XX/XXXX XXXX XXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX XXXX XXXX  XXXX Funds will be available to your recipient on or before : XX/XX/2022. 
Money sent {$3700.00} XXXX  = {$2900.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$2900.00} USD This transaction will appear on your statement as PAYPAL XXXX XXXX You paid {$2900.00} USD XXXX XXXX XXXX XXXX XXXX XXXX receive {$3700.00} XXXX  Recipient may receive less due to foreign taxes. 
This rate includes a currency conversion spread. 
Shipping Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX United States Here is the information on the transaction showing the conversion rate that PayPal used : Paid with credit cart -- information deleted You'll see " PAYPAL XXXX XXXX '' on your card statement. 
{$2900.00} Exchange rate {$2900.00} USD = {$3700.00} XXXX  XXXX USD = XXXX XXXX  Ship to ( name and address deleted ) Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Note Final Payment for XX/XX/XXXX XXXX XXXX XXXX Details Sent to XXXX XXXXXXXX XXXX XXXX XXXX  {$2900.00} {$3700.00} XXXX Total {$2900.00} {$3700.00} XXXX  We have called PayPal three times, twice on XX/XX/XXXX and once on XX/XX/XXXX. They have been very unhelpful. Today we submitted a dispute to PayPal and the information on that case is Transaction Date XX/XX/2022 Payment Amount {$3700.00} XXXX  Recipient XXXX Transaction ID XXXX Case Number XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022, I deposited a cashiers check into a personal checking account at Bank of America, in person, with a deposit slip. As of XX/XX/2022, the funds are not available and will be held until XX/XX/2022. I advised the manager XXXX XXXX of CFR 229.10 ( c ) ( 1 ) ( v ) and that the bank was in violation of the Next Day Availability and she said she doesn't follow federal law, she follows bank policy.

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 monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank via Pay Pal Credit Card allowed a fraudster to open an account in my name using a fake e-mail address and an old home address that I had not lived in for almost 6 years. 

This was identified by me being denied a legitimate card request through XXXX XXXX via Synchrony bank. This process started in XXXX, first fraud reveiw was filed in XXXX, XXXX was in XXXX XXXX, and now the 3rd one just started on XX/XX/XXXX. The Fraud department denied the first filing because they said I RECIEVED BENEFIT and MADE PAYMENT which I did none of. The 2nd Filing was denied because they said that they could not get ahold of me to verify that I did not start the account???? Now the 3rd time they advise that it will be reviewed and corected by XX/XX/XXXX. 

Each time I have had to update my credit reports that the account is fraudulent, I have had to lock down my credit completely, my credit score has dropped 40 points, and I have been denied a car loan and the obvious credit card. Forcing me to use invested savings in a down market.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested my FICO  score for the first time this year in 2022 from all three credit bureaus. With using XXXX, none of my FICO scores were available to be reviewed by myself. I contacted XXXX  that none of my FICO scores were displayed and was directed to contact each of the bureaus. I contacted Experian on XX/XX/2022 that my score were not available, with proceeding to view the scores on Experian the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. Today XX/XX/2022 there are still no FICO scores available to me. 

Under law " 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ''

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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XX/XX/2022 I was contacted by XXXX offering a job for XXXX XXXX with data collection. On XX/XX/2022 I received an atm check for purchasing supplies and sending money to suppliers, then on XXXX XXXX I deposited the check and the funds were available in my Navy Federal accounting XXXX XXXX. I was then asked to send 3 XXXX transactions of {$200.00}, {$450.00}, and {$550.00}. I am now aware that i might have been used in a fraud scam and the check deposited into my account might not even be real and the funds not actually in my account. Navy federal is a good bank but approved my check and now froze all of my assets due to a potential scam. I do see how I might have been gullible for accepting this job and not looking more into it but I firgued it is 2022 and remote work is so common and a check was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
When I contacted my bank to verify my checking account and the banker looked it up and they either replied back to me are either my accounts are closed or my name doesnt exist on any accounts with Bank of America account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I PURCHASED A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WITH CREDIT ACCEPTANCE AS FINANCE COMPANY 22.98 PERCENT APR THEY ASK FOR XXXX DOLLARS DOWN, ALONG WITH MY CREDIT THAT WAS ILLEGAL! NOT TO MENTION, I WAS NEVER GIVER THREE DAY RESCIND PAPERWORK AND NOT TO MENTION THEY HAD THE CAR THE FIRST THREE WEEKS AFTER SALE, DUE TO BRAKE ISSUE! I SIGNED A ELECTRONIC PAD ( ILLEGAL ) NEVER SEEN CONTRACT UNTIL XX/XX/XXXX AND NOTICE OTHER ILLEGAL FALSE MISLEADING PRACTICES OF CREDIT ACCEPTANCE CORPXXXX FEDERAL LAWS WAS BROKEN AND VIOLATED! MY CAR WAS REPOCESSED ON XX/XX/XXXX WITHOUT A COURT ORDER DURING COVID SHUTDOWN I WAS CHARGED COUNTLESS FRAUDLENT LATE FEES! CONTRACT IS FRAUDLENT AND UNFAIR AND NEEDS TO BE INVESTIGATED!

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

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 2022-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account Number : Account name XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/22 and XX/XX/22, Capital One called me to verify a credit card application, which I did NOT make. They were helpful each time to tell me the steps to take to further protect my identity. On XX/XX/22, I called Capital One to report emails I'd received notifying me that account information had been change ( email address and phone number ), changes that I did NOT make. Capital One has been helpful and informative in leading me to next steps, sending me here to make this complaint. They also suggested that I contact credit bureaus to put an alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
Cfpb disappointed in your level of service & support of XXXX, XXXX borrowers like myself. On two separate occasions I have FILED COMPLAINTS with CFPB identifying REAL complaints against specialized loan servicing. Complaint # XXXX & # XXXX for XXXX # XXXX. The LOAN business & financial products ARE full of biases AGAINST XXXX NOT too mention the XXXX XXXX XXXX XXXX WHICH practice XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
These issues WHICH I brought to your attention HAVE not been " FIXED '' IN XXXX NOR in XXXX. This complaint process is little MORE than a red flag for companies LIKE XXXX  XXXX XXXX whom issued ( me ) a XXXX XXXX loan on XXXX. Then began increasing INTEREST RATE & Payment in XXXX. Only two years after modification began. In XXXX, I was provided a LOAN modification with the SERVICER SLS loan XXXX & new payment WAS too begin on XXXX for {$910.00}. Instead of this payment AMOUNT which I agreed too, my payment was @ least {$1100.00} per month & I made new complaint # XXXX. The company ( SLS ) MAILED a letter in XXXX, XXXX agreeing to " Resolve '' issue in ( 15 ) business days. YET, XX/XX/XXXX I am filling a NEW complaint. 
Instead OF ONLY filling this complaint WITH your organization I WILL be ALSO contacting the XXXX XXXX XXXX too notify them of my displeasure. Again, my XXXX complaint servicer should NOT have been able to increase my payment for @ least ( 5 ) years NOT 24 MONTHS. SECOND complaint with CFPB notified them if A {$200.00} per month increase on agreed upon payment & SLS agreed to resolve in ( 15 ) business days of XX/XX/XXXX. Issues STILL not RESOLVED. DOCUMENTATION TO FOLLOW.

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 2022-11-07 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 — Card was charged for something you did not purchase with the card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I try to send money with my credit card and someone told me not to send money. It is fraud or scam. I had a fight with the BMO bank 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 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
An unpaid co-pay of {$25.00} was sent from XXXX to Penn Credit Corporation. 

I sent them a check immediately. 

I have a copy of the cancelled check. 

They have continued to mail me threatening notices and made frequent calls to my cell phone. 

I have written to them, including a copy of the cancelled check, to prove that the debt os paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX  XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing about experience inside of Bank of America Branch. I went inside the branch, and was waiting to speak with agent when someone who was inside the branch already started to threatening, and being abusive to me. The scary part is no one inside the branch intervened or stop abusive behavior. The branch manager and teller didnt say anything at all while the person came closer to try to hit me. 

I called the bank multiple times to speak with the manager but no one is answering phone. 

This BOA branch has horrible customer service, and This experience left us to believe its not safe place. 

Bank of America Branch address : XXXX XXXX XXXX XXXX, XXXX, GA 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 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Submitted Employer verification form for XXXX on XX/XX/2022. Mohela took XXXX XXXX to process application and denied stating my employer entered an end data on the application. This information is inaccurate. The form has no end date and is clearly marked by my employer " Still Employed '' on full time basis and continue to work XXXX per XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation