vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Ive been attempting to pay my loans for the last several months but every time Ive made a payment it will process and say accepted for 2 or 3 days then it will say payment reversal. Ive attempted to contact customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to make some XXXX payments and dont know what I have to do. I need help bad because now Im paying with interest but the reason Ive been paying early was to not pay interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
National Credit Adjust placed a collection on my account. I requested proof that this account is mine via XXXX XXXX mail, and they received this request on XX/XX/2023. I have a signature card from the XXXX. Postal Service showing that they received the request. 
They failed to respond at all and have provided no validation of this debt. After 30 days with no response, I sent proof of this request to all XXXX credit bureaus : XXXX, XXXX and XXXX. I sent these credit bureaus copies of the letter sent, postal receipts, tracking information, and signature cards showing that this debt collector received my letter. 
Despite the fact that I sent proof that I reached out to this debt collector, the credit bureaus refuse to remove the collection from my reports. They claim that National Credit XXXX has sent them validation of the debt, and even though NCA won't send anything to me, they won't remove the collection account from my report. 
When the credit bureaus notified me that they wouldn't remove the collection from my reports, I called this collection agency asking for proof of the debt. They acknowledged that they received my initial request for validation on XX/XX/2023. They also falsely claimed that they have 90 days to respond to my request under the FCRA. They only have 30 days, but regardless, it has already been 90 days and they still haven't responded. 
During the phone conversation with their representative, I once again requested that they send me proof that this debt is mine. Still, they have sent nothing. 
Under the FCRA any company that places a collection on my report has to provide proof that the debt is mine within 30 days after I request that information. If they don't, the credit bureaus have to remove that information from my report. The credit bureaus have refused to do so despite my attempts to obtain validation. 
Please assist with the removal of this account from my credit report. I have acted in good faith trying to obtain validation of the debt, and it is not only unfair that only the credit bureaus have been given this so-called proof, but it is also financially damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-25 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: FL

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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I was sent a brief email that all of my CitiBank accounts would be closed. There was no explanation as to why, and my access to the accounts and cards was suspended as of that day. 

I called immediately and was given no information just told this was happening and there was nothing I could do to stop it. 

I called again XX/XX/XXXX to call. They were unable to tell me why the account was being closed. They told me there was no actions I could do to stop this process or make it happen quicker. I had no access to any of the money in the account or any way to view the accounts. I was told the money would be sent in XXXX days along with a letter explaining why this happened. I explained this was NOT ideal, as I needed the money in the account to live, and couldnt wait XXXX days for it. They were closing my account for no reason with no explanation and I had no access to my money. 

I called again XX/XX/XXXX and was hung up on. This repeated daily. I called at least 6 times requesting information or access to view my accounts to no avail. I was constantly transferred, hung up on, disrespected on the phone. 

In XXXX, I finally received the funds from the closed account. These funds were significantly less than I had been expecting as the account had well over the amount I was paid out. I deserve information on where my missing money went. 

Additionally, no information as to why this happened was provided. I was promised I would receive information on why this closing has happened.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I paid my balance in full by the due date of XX/XX/XXXXXXXX  and I was still charged interest on my credit card in the amount of {$38.00}. In my many years of having several different credit cards, I have never had a situation like this where I paid the balance in full by the due date and then I was charged interest. Every time I have paid my balance in full by the due date, I was never charged interest. This is disappointing. I called on XX/XX/XXXX to speak with customer service to get the interest charged removed and I was told they couldn't waive the fee because it was valid. I have had this credit card for such a long time and always paid on time and never had any issues until now. The customer service representative couldn't even give me a concrete answer as to why I was charged interest even though the balance was paid in FULL by the DUE DATE.

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 monetary relief
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, 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 and Can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account Under an open and consumer credit plan late for any purpose purpose.

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 2023-09-25 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
XX/XX/XXXX  Auto Credit of Virginia summoned XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a debt not verified to collect additional payment on an obligation of the United States from an extension of credit backed by the full faith and credit of the United States. 
15 USC 1692F unfair practices taking a threat to take any non judicial action to affect disposition or disablement of property. There is no present right to possession of the property claimed as collateral through an enforceable security interest. There is no present intention to take possession of the property or the property is exempt.

15 USC 1692 abusive practices deceptive and unfair debt collection practices 15 USC 1605 Vehicle the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

[ Truth and Lending Act ] 15 USC 1679 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. [ Finance Charge Consumer Credit Transaction ] GOOD FAITH LOAN 15 USC 1662 ( b ) down payments not required No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX retiree on Social Security and was a Victim of 2 Apartment Frauds through my Citibank Account 1st was a XXXXCitibank Fraud and Citibank helps the Criminals the 2nd was an Apartment Wire Fraud through my Citibank Account and Citibank again is of No help. 

Then Citibank FROZE my account I am a XXXX XXXX XXXX retiree on Social Security my SS goes to Citibank and they Froze my Account I can not pay rent, buy Medicine or even food I have NO ACCESS to my SS Funds for over a Month. 

Citibank Lies said they sent a Letter to verify me it came with no reference I even tried going into a Citibank Brance with my Passport, Drivers License, SS card, Medicare Card and Birth Certificate they will NOT help me close my Account. 

Not only did I become a Victim of Fraud Citibank has Locked me out I am Homeless because of Citibank. For GOD sake please help me. Account Number # 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 2023-09-25 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: NJ

Complaint narrative:
EQUIFAX Information Services LLC has obtained my social security number, account numbers, and credit card numbers from XXXX XXXX and XXXX without my authorization. I do not want EQUIFAX to have my personal private account information with these financial institutions. EQUIFAX also is sharing and selling my information to unknown 3rd parties. This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received and email that my venmo account was restricted. 
I requested the reason why, after making sure I have not done anything against their terms. I have no violated any of them. They refuse to provide information as to why, or let me appeal. They send generic emails giving links to the same things that do not pertain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
1 ) I have a TD Bank Charge card ending in # XXXX. I always pay my account in full each month. I received my XXXX statement for {$470.00}. A check was mailed for payment on XX/XX/23. It was due by XX/XX/23 XXXX XXXX XXXX. I always mail out bills XXXX of month as I receive my XXXX checks on the last day of the month. Check was not cashed until Monday XX/XX/23. I received a late fee {$29.00} and interest fee {$6.00}, and this started a chain reaction of problems. See attached XXXX statement showing same. 

2 ) I contacted TD Bank on XX/XX/23 and spoke with XXXX. A charming young lady who assured me not to worry. Fees would all be taken off bill, I was an excellent customer! 
She said it might take two payment cycles not to worry. My credit score then was over XXXX!! 

3 ) The late fee only of {$29.00} was removed in XXXX statement. See attached statement. 
But now bill had somehow gone up to {$43.00}. I called and spoke with XXXX on XX/XX/23 another very nice customer representative. She stated that she had figured out the XXXX XXXX, not to worry again this would all be corrected!! 

4 ) See XXXX statement! Bill was now {$83.00}. I also received a letter dated XXXX from TD Bank stating my {$16000.00} line of credit had been lowered to {$500.00} and my credit score was now XXXX!! See attached. I immediately called TD Bank on XX/XX/23 when I received this XXXX statement and by chance got XXXX. She remembered me, could not believe how screwed up this was and put me thru to XXXX in customer service. XXXX also stated she was surprised at how screwed up this had gotten, and she would talk to her supervisor and get this corrected. I was put on hold for XXXX minutes. XXXX got back on the phone and said supervisor insisted I pay at least 1 of the late fees to correct the problem. I refused and asked to speak with the supervisor. After a long hold on the phone again I was disconnected. I called back and asked to again speak to a supervisor and was told phones were not working properly at this time and to call back another day! 

5 ) My XXXX statement is now {$120.00}. I tried to speak with a supervisor and have called this is RIDICULOUS!! 

6 ) SOLUTION!! 
I always liked TD Bank. Never had a problem till now. Please have them REMOVE all Fees and late Charges. Contact credit agency and restore my good credit. My credit score right now is XXXX!!! Also reinstate my {$16000.00} line of credit and issue me a new charge card!! 

Thank You! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =========================================== 15 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I'm the co-signor on my daughter 's loan with Sallie Mae and she is currently on a re-payment plan with them ; however, Sallie Mae continues to call me for collection on the loans. Sallie Mae has also made phone calls to some of my relatives discussing payments needed on these loans. Now, Sallie Mae is stating the total debt is due and must be paid to them. I'm unable to pay the total debt amount. Even the payment plan that my daughter is paying them is a very high amount for a college grad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX Bank account to Huntington National Bank at the instructions of the scammers. 

Given that their client, owner of XXXX number XXXX an active participant in the movement of my money, which eventually ended up with the Company, Huntington National Bank have not exercised their duties to identify this suspicions scheme in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX 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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NJ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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