vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
USAA Bank, XXXX XX/XX/2022, I booked a room at a resort, was charged {$420.00} to my card, After booking, they never sent me reservation info, no contact info my info was put in someone else 's name. When I looked on my bank to try to see if I saw a number The name of the company that I went through for the reservation was not listed, I found out there was another company, I immediately called them and told them I wanted to transfer and I told him the reason why, I that the room is in another name, I would not get my money back, and I would not get a credit. I immediately for my bank and let them know what was going on, The bank reversed to charges back to me, I waited for my bank to contact me but never got anything in the mail as I do not do paperless. I was told that I would get something in the mail within 14 days never received it, then I looked at my account and saw that the transaction will receive first back to the company. In my case was considered closed. I explain to the rep that I don't have PDF, and I don't have a computer everything I do is on my phone That's why I prefer they contact me by phone or by mail. Because of them I took the money from my account it causes me to have multiple XXXX  fees for transactions that could not go through I requesting they reverse to XXXX fees and I'm requesting my money we put back into my account. It is important of an individual says that they XXXX information be mailed to them that it be mailed to them. USAA Bank has not been very kind, there was an incident where I had a XXXX  loan and I was assigned a representative through them to help with my processing, The guy told me that I should go and buy my home through someone else and then come back and refinance through them because they just didn't have time to work with me. I continue to stay with my bank because my husband who was a XXXX and a XXXX XXXX  XXXX them so much and it's because of him that I don't close this account even though he is gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have 2 complaints Complaint # 1 Before I paid of my loan, I called to ask about my payoff amount. I was advised by the service rep to use the online payment payoff versus the mail check payoff amount. This was the amount I got on Navients website and sent it to XXXX Navient, {$44000.00} Navient, {$26000.00} After adding up both loans I got XXXX to payoff the loan. 
When I called to verify if the loan was paid off I was told that I owe {$41.00}. Now my bill is almost {$270.00} in interest fees. 

Complaint # 2 Navient misapplied some of my loan payments. Everytime I try and speak to a customer service rep, they have a different story to tell me. I went and downloaded all my payments relized that the addition {$100.00} payments I was making was just going towards the interest and not the principal even though I instrusted them to apply the payments to my principal. I want Navient to reimburse me for {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
I paid my account in full with Law office of Nelson & Kennard on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Turning Point Solutions LLC
State: TN

Complaint narrative:
i contacted Advanced Solutions Services Inc 3 times attempting to get them to provide me a copy of my consumer report contained in there files. When I reached them on the phone the agent advised me that a report and instructions on how to dispute information that was wrong on it. I never recieved any information and I continued to complain with no resolution forthcoming. I am a victim of identy theft on two occassions. I have a right to a copy and to dispute any information I feel is incorrect and/or used maliciously to deny me to entitlement to an accurate consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
I had a fraud incident in XXXX of 2022. The Discover fraud was immediately investigated and the case has been closed with the funds refunded. There is no mention of fraud being reported, investigated, or closed anywhere on my account. I have attempted to get Discover to email or send me a letter saying I reported fraud for over an week and they are refusing to. I need this letter for the police and Discover is refusing to provide it. The only records I have is my statement showing initial purchase and later refund with no mention of fraud which the police have told me does not suffice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 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: MI

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : 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 XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since last XX/XX/XXXX I am trying to denounce the bank Venmo that they have frozen my account which I have with XXXX dollars and I can not use it thanks to them that they have not wanted to unfreeze it and my payments have gone bad thanks to them and I have generated debts Over time due to delays and non-availability of money and I have tried several times to send emails to which they always answer the same thing and they do not solve my problem. The phone calls are not answered, I really feel very affected and cheated by that bank XXXX I just want to get my money back and never use or suggest that bank to anyone again so they don't lose their money or the same thing happens to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a lot of incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is in direct reference to Complaint XXXX against Synchrony Bank that was closed with an inadequate explanation. I provided feedback but I believe my feedback deserves re-submission as a complaint. When you review my complaint you will see that it concerned Synchrony 's deceptive handling of my CD account regarding their funding period and the rate lock terms. In their response, they cited compliance with their agreement as the reason for their denial of my complaint. They provided a copy of their agreement which DOES NOT address my situation. Their agreement does NOT specify when the rate is locked. They changed their rate on the account during my funding period, but did not give me the higher rate because I had funded early in the period and they increased the rate towards the end of my funding period. My understanding of Synchrony 's practice was that the consumer would get the highest rate being paid during their funding period, which I did not. Synchrony advertised their CD promotions with a " hurry while it lasts '' theme, even though they have frequently increased their rates. Being very frustrated over the lack of clarity in their terms and the awful customer service responsiveness, I long ago requested that the CD be closed without penalty and the funds returned to the source, which was my savings account with them. Their murky terms and advertising approach is very deceptive to consumers, and resulted in me being locked into a rate far below the market. They have cost me and I am sure many other consumers ( particularly seniors like myself ) a lot of interest earnings. At this time, I am asking the CFPB to look into this further and ask Synchrony to clarify how their terms specifies their practice on the locking of the CD rate and how the funding period relates to that. Because of this confusion and shady practice, I am again asking that Synchrony close my CD with accrued interest and NO penalty, and return the funds to my savings account. I also think that the CFPB, in the best interests of consumers, compel Synchrony to stop this deception and at least make me somewhat whole by returning my principal and accrued interest without penalty. Even with thos remedy, they still have enjoyed the benfit of my deposit while having paid a rate to me that was still far below the savings account rate that they began paying on their savings account shortly after I was " locked '' into this under market CD. 
It is a violation of trust that Synchrony conducts business in this manner during these difficult financial times, again, especially for senior citizen consumers who desperately need the best interest income that they can get. 
THANK YOU, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I paid my account in full with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Nelnet, Inc.
State: NC

Complaint narrative:
Dispute REASON : Remove transactional history and consumer experiences between me and you ( NelNet ) from my consumer reports. 

The creditor recently responded to a complaint I submitted to the CFPB, using stall tactics not to process my dispute. Pursuant 15 USC 1681a 2 ( A ) ( i ).

-This is not a GOOD WILL REQUEST XXXXThis is not a credit repair agency I am XXXX XXXX XXXX and I am demanding that you process my dispute, in its entirety. I will sue your company for damages and criminal acts if you do not process this dispute, with the help of the attorney general of my governing jurisdiction. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) DEPT OF ED / NELNET Making the report is NOT INCLUDED on my Consumer report! 

Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company. 

ACCOUNTS TO REFERENCE : Accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On Monday morning XX/XX/2022 I returned to my car to see that it had been ransacked and my wallet was robbed. The last time my wallet was in my physical possession was XX/XX/2022. I had received messages on my phone saying that there were charges made on my card, these charges occurred while I was asleep and didnt see the messages until i woke up. I immediately talked to Ally support to let them know and made reports that all the charges that occurred on XXXX  and afterwards were fraudulent. I also told them to not let any more charges through and froze my card. A couple months later they locked my account and I received a letter saying that I was responsible for the charges because it was " in the same geographical area ''. Of course it was, they had stolen my physical wallet. Now I have received a letter threatening to take me to collections for the amount these people stole. I did everything to inform them that these charges weren't me and ordered a new card the same day and still they do this. It is not legal, I am not responsible for the charges some theives made on my card as I did nothing wrong and immediately reported it to Ally. I am not even able to access the account to attach screenshots because they have locked me out.

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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I called PNC last week and disputed a transaction for {$92.00} dated XX/XX/2023. So far there have been no issues with the dispute piece. However, I specifically asked to not append a Compliance Condition Code ( CCC ) to my account and to not have the CCC reported. Then, on XXXX, PNC furnished an XXXX-related CCC pertaining to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On the morning of XX/XX/2022, a third party gained unauthorized access to my Coinbase account. Despite having, by the website 's own definition, extra strong security options chosen for Multi-Factor Authentication options, Coinbase did not ask for the secondary authentication via temporary app code. 
Using this access, the third party proceeded to make several transactions converting virtual currency into US Dollars, which were then instantly sent via bank transfer to a bank account that had never been associated with my account before. The site ( supposedly ) forces a wait time of 3 days for Crypto addresses being added to an account, but allowed this new bank account to be instantly added and transferred to without verification. 
I was made aware of this breach within the hour and locked my account, notifying Coinbase of the breach at the same time. It took them 2 weeks to respond, claiming they locked my account ( which I had already done ). It took some time to restore my account access, and the communication with their support takes days to weeks in between emails and the responses seem to be form letters instead of specific to what I've asked for. 

They seem to be in violation of Federal Regulation E in their lack of responsiveness, and refusal to do anything about the unauthorized bank transfer that they processed. As far as I'm aware, I'm supposed to be protected from unauthorized ACH bank transfers. 

Whenever I bring it up, their " support '' emails only mention the immutability of crypto transactions, and refuse to address that they moved US dollars via INSTANT ( which the third party paid more of my money for ) bank transfer. On top of the transaction fee of {$440.00} to process the sale of my digital currency, and the {$0.00} instant bank transfer fees, XXXX Coinbase made money off this theft. All told I'm out, {$25000.00}. Plus any fees it would take to regain my original assets ( which have now gone up in value while I've been out of the market ). 

They refuse to provide me with the full bank account number the stolen funds were sent to : All I can see from the XXXX is XXXX XXXX XXXX  XXXX. I have submitted what data I could to the FBI cyber crimes division. 

The following transactions and times : {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I got a letter in the mail to look at my refinance options on my car. Once I spoke to the gentleman he took my information and said he would do a soft credit check to see if I qualify. After a few minutes he came back in the line and said he could not give me a better rate than I have now. I have a 10 % interest rate with XXXX credit so I was baffled that he said that he said he could not help. A few weeks later it came up on my credit report that there were 2 inquiries from Axos Bank on XX/XX/22. I was mislead about the inquiry and even with that the company did nothing for me. I dont believe what was done was fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct 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 US Dept of EdXXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation