vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-10 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: SLM CORPORATION
State: MO

Complaint narrative:
The student loan servicer, Sallie Mae, was not willing to work with me. I would state that I was making {$420.00} a month due to just recently graduating from my certification program and still looking for a job within my field. I would state countless times throughout the summer of 2022 the status of my employment and interview processes that I was going through and would receive conflicting reassurance because with every call I had to restate the entire update because they never updated or left notes on my account. I would state I can pay this amount and respond with you're not willing to pay and hang up on me countless times. After finally getting a decent paying job I told them this is how much I can afford to pay you guys and they said yes and next thing you know they dont my report and co signers reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I placed an order with XXXX for a coffee table in the amount of {$1100.00}. At that time I received a message stating that there was a long delay due to covid related shipping delays. I then received emails from XXXX in XXXX and in XXXX of XXXX announcing further delays stating estimated delivery between XXXX. On XXXX XXXX, XXXX I emailed XXXX asking for an update. I received a message stating the item was backordered until XX/XX/XXXX. On XXXX XXXX, XXXX I requested that my order be cancelled and received an email stating that the email address I had written to was no longer being monitored and that the company had gone out of business. On XXXX XXXX XXXX I contacted Citibank to file a dispute on the basis of being charged for an item I did not receive. They stated that since the charge was so old I would have to mail in my dispute. That same day I mailed my dispute included 13 pages of evidence ( original invoice, email correspondence ). Citibank stated that because the charge was so old they couldn't do anything about it and said I should contact the merchant, but I have no way to contact the merchant. I was strung along with regular emails from the company stating that my merchandise was coming until they shuttered their doors. Purchase protection should cover this. This is a lot of money for me and I don't know what I am supposed to do to get my money back.

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 2023-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Summary : Capital One quietly " deprecated '' my savings account at some unknown date and froze the interest rates at 0.3 %. They gave no notice that the type of savings account I had was being " deprecated '' or even what that meant. When I raised the issue with them, they tried to pretend I was just unhappy about the interest rate, and told me I was negligent for not checking interest rates regularly, and it was my fault for not opening a new savings account. THAT IS NOT THE ISSUE. The issue is that my savings account was effectively converted to an Certificate of Deposit with a permanent fixed rate, with zero notice given to me. 

Background : I originally opened this savings account with ING Direct in XXXX. In XXXX it was bought out by Capital One, and the account was converted to " Capital One 360 ''. I continued to receive all the same service and updates to the account as I had before. Interest rates updated, I could transfer money in and out, and I received regular notices. 

At some point in XXXX  Capital One " deprecated '' every single previous Capital One 360 Savings account with ( apparently ) no notice to clients [ XXXX, XXXX ]. This unannounced change froze savings interest rates in place, preventing Capital One from having to pay out more interest on this large number of accounts. There was no effective notice -- I received no email or mail that I could find -- and current interest rates for this this specific type of savings accounts are hidden behind a small pop-up button on the website. 

My complaint is not about the interest rates. My complaint is about this stupid shell game that Capital One is forcing on its customers. Every so often they " deprecate '' a certain type of savings account and lock everyone into horrible interest rates. They don't give any notice, or if they do give notice it's behind a wall of fine print. If a customer wants to keep getting market-standard interest rates, they have to CLOSE OUT EVERY SAVINGS ACCOUNT and then OPEN UP A TON OF NEW SAVINGS ACCOUNTS. There's no legitimate reason for this. 

I filed a complaint with Capital One, and they basically said " we see you don't like your interest rate and if you don't like your interest rate just open a new savings account. '' But that's not the problem. The problem is I DON'T WANT TO HAVE TO KEEP OPENING NEW SAVINGS ACCOUNTS just to prevent Capital One from scamming me out of money. My savings account still works in every way EXCEPT updating interest rates. They didn't force me to close it or say that I had to move my money out. Capital One is completely happy to let my money sit with them, they just defraud me out of hundreds of dollars of interest each month because they can. 

[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX/XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Got Scammed through XXXX - My Phone number was linked to a PNC bank account of a unknown person and they stole the money that was sent to me by my Husband. Money ( {$250.00} ) was XXXX  from my husbands bank account XXXX XXXX XXXX XXXX ) to me using my Phone number XXXX. Proof of XXXX sent confrmation : XXXX on XX/XX/XXXX  Amount : {$250.00}. I received alert on my phone that money is received but the account number was not mine. Proof of receipt below. PNC Bank Alert : You received a XXXX payment of {$250.00} from XXXX XXXX. This payment was sent to account XXXX. I don't have account in PNC Bank and some one linked my phone number to their XXXX account and stole my money. PNC Bank allowed this due to a flaw in their system. I did not receive any alert on my phone that my number is being linked to another account. I called PNC bank with in 30 minutes of the fraud and explained them, so far no response from them. And after few hours the fraud has de-enrolled my number from their account and I was able to add by the number to my XXXX XXXX account. I want my money to be refunded from PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MT

Complaint narrative:
I believe that this account has been re-aged. I have a delinquency on my credit report from XX/XX/XXXX stating that it is from XXXX for XXXX dollars. I did not live in the US from late XXXX until mid-XXXX and did not have XXXX during this time. I did have some sort of XXXX XXXX in early XXXX. I experienced a XXXX XXXXXXXX situation and the bill may have gotten lost in the mix. I am not sure. I was just trying to survive at the time, to be honest. I can not even tell you if it was XXXX or not. Anyway, considering that it was from early XXXX, it has passed the 7-year mark and should not be on my credit anyway. If IC System did purchase a valid debt back in XXXX when I did not even live in the country, they re-aged it to the time when it was purchased and not the time when it was actually delinquent.

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 2023-04-10 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: PA

Complaint narrative:
My name Is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release if any good or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information relates to this matter. 

The fraudulent accounts are as follows : 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 2023-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: SC

Complaint narrative:
I sold a closed on my house on XX/XX/XXXX. When I sold my house, I received the closing statement from the buyer 's attorney that listed the partial claim that was going to be paid back to FHA at the closing of {$35000.00} in XX/XX/XXXX and another one back in XXXX, I am not sure of that amount. But the overall amount that I had to pay back from the proceeds of my home being sold was over {$45000.00}. This was quite a surprise to me. I have contacted Midland Mortgage several times to get an explanation and an itemized printout of all payments, fees, and printout of payment history along with how this amount was calculated. I am just looking into this now because I sold my house. When I signed the one modification in XXXX, I had XXXX XXXX and was XXXX XXXX XXXX for 13 weeks. I was going through XXXX and XXXX for a year and on so many types of medication.

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 2023-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I was notified by Experian, XXXX and XXXX of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX  repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, Experian refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.

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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX - I was approved for an Auto Loan with PenFed Credit Union for the purchase of a XXXX XXXX XXXX. The rate was 6.64 % @ 84 months. 

On XX/XX/XXXX, Due to an issue with the vehicle, I was unable to take delivery of the XXXX. I placed an order for another XXXX, and PenFed stated I needed to reapply for a new loan with the new VIN number for the vehicle. XXXX cashed the check for old loan by mistake ; which caused a delay in being able to apply for the new loan required for the new vehicle. XXXX sent a refund check to PenFed. 

On XX/XX/XXXX, PenFed received the refund check, and started processing the closure of this loan. 

On XX/XX/XXXX, the payment cleared and PenFed was able to process my new loan application. The application was approved ; however the rate for the new loan was 7.29 % @ 84 months. I accepted the new loan via email with the contingency that the rate would match the old loan rate of 6.64 %- which was issued a few weeks before. The loan officer confirmed that a rate match would be processed once the loan was funded. 

I have been following up for 3 weeks to confirm the rate match. I received notice today ( XX/XX/XXXX ) from PenFed that the rate match was denied. I need help in ensure that PenFed honors the original loan rate that I was approved for. 

I'm attaching an email thread with the loan officer that stated all this 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 2023-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX  : # XXXX U S DEPT OF ED/XXXX  : # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 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: UPGRADE, INC.
State: IL

Complaint narrative:
On XX/XX/, I noticed my Upgrade card was missing from my wallet and I immediately called XXXX to report it lost. XXXX checked for fraudulent charges and found 5 charges I did not make or authorize. I have provided everything XXXX wanted and they have still denied my case. A police report was filed. I will not pay for charges that I did not make or authorize. I reported the card lost within 60 days and I am protected by the Fair Credit Billing Act. I will also file a complaint with the Federal Trade Commission and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
I am writing you as I have found recently in my XXXX & Equifax credit reports fraudulent accounts and inquiries. Please help me to remove those accounts and inquiries from my credit report as I'm a victim of identity theft. 

These are the accounts XXXX XXXX - XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the Inquiries XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching also my ID , SSN and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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:
In accordance with the Fair Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 section 602a 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 accurate without my written instructions.

15 USC 1681c ( 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 USC 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 non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Selene finance took over my mortgage loan XX/XX/2023. I made a payment in the amount of {$3100.00} but when I finally got access to the app they had raised my interest rate from 3 % to 7.1250 % which took my mortgage from {$1100.00} well over {$1600.00} No one at XXXX has offered any documentation as to why this rate was raised. Ive called 4 times and no one has yet to send me the justification on this increase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A credit hard inquiry has been fraudulently placed by Bank of America on XX/XX/2023 on my current XXXX credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted Bank of America, Bank of America stated they have no business with the inquiry showing up in my XXXX credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in XXXX XXXX XXXX XXXX. 
I also contacted XXXX via Phone number XXXX, XXXX XXXX, and XXXX online chat. 
But XXXX refused to delete the fraudulent credit inquiry from 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