vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Account is reporting incorrectly by TransUnion, XXXX and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while XXXX and Trans Union reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while XXXX reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again Trans Union is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by Trans Union and XXXX while XXXX is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Account is reporting incorrectly by XXXX, XXXX and Equifax. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by Equifax while XXXX and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for Equifax makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and Equifax while XXXX is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by Equifax has now been deleted giving nothing to show where on payment history Equifax has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Account is reporting incorrectly by XXXX, Experian and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while Experian and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and XXXX while experian is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.

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 2022-10-10 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: EQUIFAX, INC.
State: FL

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, 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.

15 U.S.C 1681 C. ( 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.

14 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 2022-10-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have made all payments to credit card and they say that I have not made the payments for XXXX and XXXX of 2022. As a result it keeps showing a balance which are the late charges. I have faxed proof of payments 3 times and I have mailed hard copies on 3 separate occasions ( one being domestic Return Receipt from USPS ) of the proof of payments from my bank showing that it was paid on time They told me that the first fax was not clear so I mailed them the clear copies and they fail to update my account. I am afraid that my credit score will lower because of their mishandling of my account. The last conversation that I had was with Account Manager XXXX in the beginning of XXXX and she assured me that she would call me back and I have yet to hear back from her. This has been ongoing since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
This matter arises out of a consumer credit transaction with NAVY FEDERAL CREDIT UNION in which I am demanding that you cease and desist from disclosing my nonpublic personal information to all nonaffiliated third parties which includes XXXX, XXXX, & XXXX. 

As the law states, 15 USC 6801 ( a ), Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

NAVY FEDERAL CREDIT UNION does not have my consent to share my nonpublic personal information and if there is any disclosure in your agreement giving you that option to share my nonpublic personal information, I request that you show me in the same agreement where you provide me the option to opt out of sharing my nonpublic personal information. 

Pursuant to 15 USC 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

As 15 USC 6802 ( b ) states, Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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. 

NAVY FEDERAL CREDIT UNION, your financial institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) without giving me the opportunity to direct that such information not be disclosed to those third parties above. You have infringed upon my right to privacy and violated federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Upstart Holdings, Inc.
State: OR

Complaint narrative:
In the month of XX/XX/2022, I was befriended by an attractive woman name, XXXX XXXX XXXX, on XXXX. She has sent personal messages and I had reason to believe she was really the person in her pictures. We have messaged daily, and she had always talked about investing in XXXX  and how much she made doing that. She had me convinced that I could do the same. She talked about platforms like XXXX and XXXX and has sent me links to download onto my phone. I foolishly fell victim to her scam. I downloaded the apps and began investing a few XXXX dollars from my bank account to XXXX, and eventually to XXXX. For some reason, she had me send her screenshots of funds and my XXXX account information. I was told I could apply for a loan at Upstart.com to increase my funds faster. I applied and received a {$5500.00} dollar loan which I then put all into my XXXX account, and eventually transferred into my XXXX XXXX The virtual currency I was investing in was XXXX. I saw my XXXX rate increase at a rapid pace. I was convinced this was legit, but when I tried to transfer funds back to my XXXX account from XXXX, I was told I needed to pay an absurd amount, {$20000.00}, just to transfer it back. I ended up paying a few months of the Upstart loan because I felt I was stuck with it. I haven't financially been able to pay this loan in recent months, so it has gotten sent to collections. This has severely damaged my credit and hampered any future loans. I called Upstart to try to resolve this account but unfortunately, they don't have any resolutions for scams or loans applied without identity theft. I reported this person and scam to FBI, FTC, and Upstart. My next steps will include contacting Credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
For the past 10 months I have submitted my application 3 times via mail, fax, and uploading straight to the website for PSLF to both MOHELA and XXXX. Neither website says they have received my loan and the XXXX XXXX number for PSLF and website says they can't find my account. However I am able to login to my account online. I have tried to call multiple times and emailed the website. Each time I call I am on hold for over 2 hours each time and nobody answers the phone. I would like to be able to reach someone and submit my PSLF before the deadline XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
After PayPal changed its terms of service, I immediately tried to close my account. I tried multiple times, but they continue to provide the message of " Sorry, there's a problem. If you keep seeing this, please contact customer service. ". I then contacted customer service multiple times but its actually just a bot. The customer service chat said that " there are zero issues '' with your account. 

So if there are no issues, why will they not let me close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Wheel City Motors East, Inc.
State: FL

Complaint narrative:
I had an auto loan out with Auto Loan Acceptance for one vehicle. There are XXXX open accounts showing on my credit report and they have XXXX different high balances. The car has been paid in full but they failed to report my payment history to the credit bureaus since XXXX of this yearXXXX. This has significantly dropped my credit score and is hindering the process of my new endeavors. I reached out to them several times and they advised me that they have been reporting, but when I called each bureau individually and directly they informed me that they have not received any mew information from them. It is a lot of running around with this company and I just need for them to remove the extra account and list the one as paid in full. Auto Loan Acceptance also told me that they upgraded their system so I am guessing that's where the additional account came from. I have been going through this with them for a while and still no resolution. Please help! Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Im filing a complaint against Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Last week of XXXX when my husband called 5/3 Bank disputing an unauthorized charge made by XXXXXXXX XXXX. This bank said that they will block our debit card and will send us a new debit card and we will receive it in 7 to 10 business days. 2 weeks has passed, we never received any debit cards. My husband followed it up on XXXX XXXX, and XXXX XXXX with same statements, well expedite the card within 5 business days and mail it to you but we never received it. We were charged for {$30.00} for the cards which do should have not done. 

My husband and I went to meet the Bank rep XXXX, on XXXX. XXXX and said the same thing. He mentioned we will received it in 5-7 business days but never received our debit cards. XX/XX/XXXX, my husband and I went to this branch again and spoke with the bank manager XXXX XXXX, Branch Manager and said the same. Nobody gave us a call as they promise to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Account information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Complaint pertains to Capital One treat me unfairly and behaving in a deceptive manner to their advantage. 

I have been a Capital One Savings account holder since they were ING Direct. 

I have 4 accounts : 360 Savings and XXXX XXXXXXXX XXXX with significant balances ( XXXX figure average balance ). The interest rate is held at 0.3 % and 0.8 % respectively. 

Sometime in XXXX, Capital One got rid of these 2 banking products and replaced them with " XXXX XXXX XXXX '' which current has a yield of 2.2 %. I noticed on XX/XX/XXXX that the yields on my accounts were under-performing and then with some research not in line with advertised rates. I called the client desk on XXXX and got a gentlemen who told me " it was no problem i can just open a new account and move the money over ''. 

These old products remained at the old rates and were not updated to reflect the newer rates available. The old products were left in place for existing customers and not moved across. Meanwhile Capital One had been marketing for new money ( new clients ) without marketing to old clients that their products were defunct and the rates would remain low. I did further research and took some screenshots to evidence this. 

I spoke to Customer Service on XX/XX/XXXX and discussed in detail the concept of treating clients unfairly. Of primary concern : neither of the 2 people i spoke with were aware of Reg DD, TISA ( Truth in Savings Act ) or UDAAP. After a 10 minute hold, i was informed that my account had a marketing exclusion so there fore i was not to be told that my product was going away and that my money would be left sitting in account that would not be updated to reflect market rates or offerings. Additionally, old accounts were not to be moved across they were to be left in place until the client actioned a request to open a new account. In the attachment provided, i have moved most of my balances out of Capital One this week and will move the rest tomorrow A couple of concerns here : - Marketing exclusions relate to new products/offering, but surely the bank still has a responsibility to inform clients of changes to their product such as it being made defunct? 
- how many Capital One customers currently are making below average returns on their savings because Capital One has left them in an old savings product that isn't yielding properly and the bank hasnt told them? 
- How much money has Capital One made in the difference between its investment of this money and the poor interest rate paid to these clients?. 
- Is it fair to market to new clients/new money an enhanced rate and quietly leave your old clients in under-performing products?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a venmo account on XX/XX/2022 I tried to connect my debit card and bank account to transfer my cash from a family member and the accounts wouldnt link. I called contacted venmo several times to try and fix this issue so I could access my money and they froze my account. They wont let me speak to anyone and are not willing to help me unlock this account for 7-10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed a transaction and it was declined. We went to the restaurant and the place was over 100 degree and they didn't do anything about it. We barely touched our food. 2 of us got very sick. I tried with the merchant and the bank and I am not getting anywhere. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX CAPITAL ONE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC
State: OK

Complaint narrative:
The loan companies Omni, XXXX, XXXX XXXX  and XXXX XXXX too allotments out keeping me financially Crippled. Beginning in XXXX to XXXX. I will attach the credit report b

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