vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I received an email from XXXX XXXX ( XXXX ), whom I don't know, today XX/XX/23 at XXXX XXXX. There was a pdf invoice attached that had the PayPal and XXXX XXXX logos on it. I haven't done any business with XXXX XXXX. It said my account has been charged with {$340.00} USD and will be deducted from my account within 24 hours. It says if I don't recognize the transaction or want to cancel the charges, to call XXXX. It said it's for XXXX XXXX. I didn't call the number because I think it's a set up. I did call my local XXXX XXXX at XXXX XXXX, and they verified that it must be fraud. 
I am going to block the email address this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I receive a call from Navient at least 3-4 times per day starting at XXXX XXXX and ending at XXXX XXXX Ive been told that navient had a meeting and they decided to no longer be apart of the group of student loan companies that are delaying payments until XX/XX/2023. It also appears that interest has accumulated, when Biden placed loan payments on hold my account was approx {$10000.00} now its over {$11000.00}. This company is awful, they bully people and when you ask for deferments or loan payment reductions Navient will tell you that youre not eligible for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Account showed up as disabled in XXXX. Attempted to call office and stayed on hold for 2 hour until offices closed for the day. Emailed requesting access and explaining I had an error 100 code notes on the disabled account. Replies to email were sent to account, which was disabled. Attempted to call again and no response. Called again and after waiting an hour and troubleshooting with representative she was unable to allow me access to the account. She deleted the account and asked I reregister. When reregistering did not work she said her supervisor said she was not supposed to have deleted the account and that I would have to call back. I asked for an extension for payment due date in the meantime while this was being held and they insisted I had to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My banks phone number was spoofed, and a scammer called me acting like my bank to gain information about my account. They retrieved information by claiming to be the fraud department. They took my information and wired themselves {$9800.00}. After investigation, my bank only partially refunded me my money and when I called about the remaining money that was owed to me, I was told that I was not going to get my refund because it was my responsibility for the wire transfer. I asked to put the case under re-review and it came back that it was still not deemed as fraud. I have the phone number that the scammers used to scam me.. to add that the scammers also ported my phone so that every call or text message that I received was sent to their phone. Again, I have the number that was used, It is recorded by my bank that it did look like someone from USAA called me but did not leave any notes about the call which goes against protocol. Even the representative said that it was odd that there werent any notes about the call, so they deemed it as a scam call and labeled it as a phishing call. This has been going on for almost two weeks and I have not been given a direct answer as to why the fraud department clarified it something that was not fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is an existing complaint. Could you please tell me the latest on complaint # XXXX? 

I paid off my Ally account and requested it closed. And the existing fraudulent charges be removed from my credit card. I can not log into my All credit card account so I don't know if the charges have been deleted? 

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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
I am trying to pay my mortgage payment bi weekly through the mortgage company, but they do not offer it because then they lose out on interest. So I pay bi weekly through my checking account bill pay on the XXXX and XXXX of every month. They will not apply that amount to the balance due unless I call. I get an email on the XXXX of the month stating my mortgage payment has not been paid because they refuse to apply my bi weekly payments to the due amount.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WV

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 Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE INQUIRIES 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company " XXXX XXXX XXXX XXXX XXXX as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by Transunion this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

In accordance with the laws, everything must be accurate and verified. XXXX and TRANSUNION and continually inputing the same account with a different number. 
I havee contacted the bureaus back XXXX and had put a fraud alert on my reports and filed FTC AFFIDAVIT to show prooof of the accounts being a different numbers, they deleted and inputted again with another number. 

XXXX reported XXXX XXXX XXXX and TRansunion XXXX XXXX  XXXX. 

Two different numbers for the same account! This is fraud and illegal. 
Not just accounts are in accurate but it is also, illegal to list dates of LAST DATE oF ACTIVITY two different dates and made it newer, reaging is illegal. 

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. 

I want the account deleted or pay me for my time and continual headache from the laziness and fraudualant practices of your company.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been trying to get my money back from chime bank for XXXX a month and a 1/2 probably period there was a guitar sold on a platform called XXXX XXXX XXXX XXXX account was under my ex 's name XXXX XXXX. He was trying to send me the money that he owed me for the guitar and had to sync to my bank account which he added to his XXXX account period chi 'm sent the money back to XXXX because the names didn't match period when I contacted XXXX for my money they said they didn't see it and that they sent it to chime I contacted chime they told me they sent it back to the distributor and now there's been a dispute about where the money is and I can't seem to find the money anywhere nobody will give me a resolution nobody will tell me what happened to the money period I have contacted I've contacted chime several times I opened a dispute they ended up closing the dispute a day later without even contacting me even though they said they tried to contact me I never got a phone call or anything. I called them I was on the phone for over an hour spoke to 5 or 6 representatives none of them can give me an answer they just kept transferring me over and Over. I've asked them several times to please give me a statement reflecting that they had the money sent to my account and then they sent it back to XXXX they will not give me a statement they won't give me any answers they said I can't dispute it because it was sent direct deposit by my employer which it's not my employer that sent me the money I have stated to them over and over what happened and they are sending me in circles and leaving me on hold transfer me to 1 person to another they won't get a supervisor on the phone I can't get any answers and my bank statement does not reflect that they sent the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
XXXX and XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX and XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end. 

From XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company. 

Attempts to have them cease calling and contact has not been fruitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 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 account 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, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/XXXX  {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor

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