vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased the XXXX XXXX XXXX at XXXXXXXX XXXX  in XXXX MD. It is financed through Credit Acceptance Corporation. The purchase price was roughly {$18000.00}. 10 months later, as in today, XX/XX/XXXX, the vehicle price has almost doubled. I know owe over {$32000.00} on this vehicle. 

After much research, there are 3 recalls on these cars, as well. Specifically, my car had a recall on the airbags. I no longer feel safe driving this vehicle. I feel like I am going to be stuck in this vehicle for life and I feel as though Credit Acceptance practices predatory lending especially to the impoverished and uneducated. Modern day snake oil salesmen/corporation/company . 

Reading all the consumer complaints, etc. I feel as though I've been sentenced to a death loan. Meaning I will be paying this vehicle off until I die, or I will die in this vehicle because of the recall. This is completely unfair and as a consumer the amount of information presented to " just sign '' is overwhelming. 

Credit Acceptance is a death trap. Do NOT finance with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Greetings to all at the CFPB. Thank you for your service. It has come to my attention that a private company called Portfolio Recovery Associates is committing many violations against my Estate and my Name. My question to the CFPB is how can a private for profit company be allowed to collect and obtain my personal information without my knowledge, written consent, or court order? Does the CFPB allow companies to do as they please? I have requested that Portfolio Recovery Associates provide to me a proof of Authority that allows them to purchase, and collect the personal information of XXXX XXXX without a license at California where I live, my written consent, or court order. This is clearly identity theft by corporate bullies. 
My family is unable to obtain goods for our household like housing. This has to stop. I am asking that the CFPB regulate the false and deceptive business practices of PORTFOLIO RECOVERY ASSOCIATES. This is devastating to my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: GA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: GA

Complaint narrative:
Transunion, XXXX XXXX XXXX are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX XXXX  credit card utilization XXXX XXXX XXXX XXXX XXXX credit card utilization XXXX XXXX XXXX XXXX credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report.

Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.

You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Yes, I need a refund for XXXX and {$150.00}, and {$300.00} for XXXX because the seller stopped giving buyers the services to her XXXX XXXX XXXX XXXX. No one can get in touch with her, and they can't open any disputes with Paypal to get their money back. They can't contact their bank, and if they didn't use their bank with Paypal to send the money to them and I have contacted my bank. They told me I couldn't fill a dispute because I passed the deadline date, and XXXX  they couldn't help me, so I want a refund or a Paypal balance or Paypal XXXX credit to apply to my account ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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: MI

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 Accounts : Account numberXXXX Date openedXXXX XXXXXXXX, XXXX Account typeCollectionName XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account numbeXXXX Date openedXXXX XXXX, XXXX Account typeCollection ame XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I spoke the XXXX XXXX about my rent and my situation. I was then given the option by the assistant manager ( XXXX XXXX ) to go through with an eviction process or leave my apartment by XXXX  XX/XX/XXXX at XXXX and be give a XXXX balance from XXXX XXXX. Me and my roommate followed instructions and turned in our keys and moved out belongings before the requested time. Some time later i looked at my credit report and was being charged {$6000.00} from them despite following instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX at XXXX XXXX services made very threatening remarks about my Credit. I was never sent any information the debt was in collections. She promised my credit would continue to drop it I didnt pay and told me I better make a payment today or else she would ruin my credit. I asked did she purchase the debt from XXXX XXXX? She was not truthful and told me I can call them but to pay her. 
Very disappointing and sent my XXXX XXXX up promptly warranting a XXXX XXXX from her antics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX Account name XXXX XXXX  : Account XXXX XXXX  has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: Grain Technology, Inc.
State: IL

Complaint narrative:
I have a account with grain technology that I continuously have issues with. I have been trying to get my counts paid and resolved since XXXX of this year. I can not get in contact with a representative via phone or do they respond to numerous emails I have been sending them. I even took the measures of trying to contact this creditor via social media. I have get maybe XXXX responses a month after my email if not longer. I finally got a representative to respond with a payment invoice which did not work. This account has now been closed since of XX/XX/XXXX. This company has been racking up interest and fees and tearing my credit apart when all Im trying to do is assess my account and pay my debt. I have not been able to get a line of credit with my own job because of this one creditor I have not been able to get a vehicle for my family because its one creditor. I have delinquencys and now the account has been closed and charged off and yet I still can I cant say great technology. I have been fighting with the credit bureaus about this I just dont know what to do anymore and Im pretty sure this is not legal. Can someone please contact me back with the next step is that I should take or point me in the next direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau ( Collection Agency for XXXX XXXX ) - I was diagnosed with XXXX in year XXXX. I had all my procedures, text, check up, and XXXX done at XXXX XXXX in XXXX XXXX. 

In XXXX of XXXX XXXX, A YEAR AFTER my diagnosis and procedure I received a bill/ a call from XXXX XXXX saying I have bills with them. I have disputed this so many times and told them I have never been to their hospital. Why would I pay a bill that is not mine. It is an identity theft. It wasn't me. I have a Health Insurance but I am still paying all my Medical bills from XXXX where I had my XXXX. 

My personal information was hacked years ago, In my credit report there was showing an address from XXXX, I have not lived in XXXX, California.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I didnt find a category to select. 
i set up automatic withdrawls from my checking account. for monthly payments on the loan. 
SO to defeat the interest rate I cheduled a payment of XXXX dollars on the company, instead of the XXXX dollars being taken the entire loan amount of XXXX was withdrawn from my checking account leaving me with XXXX dollars in my checking account. 
There is absolutely no verification of this transaction when i log into the company website where i started the transaction all it says is a XXXX time payment has been authorized. WHen you want to make an additional payment on your loan they prompt you to MANUALLY TYPE IN THE AMOUNT you want to pay & that was XXXX I called XXXX customer service & all they can offer is that I approved the transaction. 
The only receipt i recieved was a notification that a payment was scheduled & it was on their website & all the notification said was a paymnet has been scheduled, didnt give the amount, date time or a final check.of the amount. 
The only confirmation of this transaction was verbally from XXXX Customer Service. 
i asked for them to provide the transation history as to when i initiated the transactoin & selected full amount instead of typing in XXXX which i requested & they said they would have to look into it. The only solution offered to me by XXXX was to take out another loan. Once again i asked XXXX why i didnt get a confirmation or verification of the financial amount of the transaction & all they had to say was they emailed me a notification that the loan was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citicards is a XXXX company. They refuse to fix their Online Statement system for XXXX Americans. 

On the webpage, I am on the statement for XX/XX/XXXX. 
On the Webpage, I see charges up to XX/XX/XXXX. 
When I download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. 

Then when I go back to the webpage, and do " Load more transactions '' for that statement billing period, click Download XXXX XXXX, it shows Transactions up to XX/XX/XXXX. They are cutting of the VERY Last date on the Statement XXXX download. This is an IT level system bug. They need to fix it, and stop misreporting transactions for customers. They refuse to fix it for XXXX and Minorities. Very XXXX 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
About 18 months ago I was using my debit card at XXXX and Citi blocked my card and online banking. I have been calling for months getting transferred around department to department they told me my account would be getting closed and a check with my funds would be mailed out in XXXX days. It has been over an entire year and i still do not have access to my funds which was around {$5000.00} in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have reason to believe my account was hack do to identity fraud during XXXX XXXX and any inquires dated previously or any future uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2022, while living in XXXX XXXX, NC, after having been displaced from our home on XXXX XXXX, by XXXX XXXX, we were the victims of a sim card swap scam which allowed individuals to access our Navy Federal Credit Union XXXX XXXXt and regular everyday checking accounts via our NFCU app on our XXXX. They transferred {$18000.00} from our trust account to our regular checking account. They then went to the NFCU branch at XXXX, Washington, and withdrew {$8000.00} from our account. Then they went to the branch at XXXX XXXX, WA, and withdrew {$9000.00} more dollars from our account and purchased a {$8500.00} cashiers check using funds from the account as well. When they tried to cash the check at the XXXX XXXX, WA, branch it was confiscated. When we were first notified of the pending transfer of {$18000.00} between our XXXX accounts, we advised the NFCU that we were not responsible for that transaction and started the claim process with the NFCU fraud department, or so we thought. Over the next week we talked to any number of fraud department agents about the fraudulent transactions. Our checking accounts were closed and new accounts opened with the adjoining debit cards being changed out. The NFCU ensured us our funds would eventually be restored. We filed a criminal complaint with the XXXX XXXX Police Department, reported the incident to the Federal Trade Commission, and notified our XXXX XXXX about the identity theft. The funds from the cashiers check were never restored to our account. In order for us to file a claim with XXXX, they needed documentation that reflected the fraudulent transactions, but since the accounts were closed, we were no longer able to access the bank statements. We have requested those statements from NFCU but have yet to receive them in the near XXXX weeks since the request was made. On XX/XX/XXXX, we called NFCU to check on the status of our claim and was advised we needed to fill out a form to begin the claim nearly a month after we first notified them of the occurrence!! 
As stated before, we discussed this information with any number of fraud department agents for nearly a week and no one mentioned a form needing to be filled out. We have done business with the NFCU for thirty-two years and expected a problem of this magnitude to be handled professionally and in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was notified multiple times about the debt, I just got in good with my job to where I can make said payments and the account was closed, this was my first credit lines opened and I am just trying to pay off the whole thing within the next two months

Company response to consumer: Closed with explanation