vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX - XXXX is sending fake payment requests via PayPal with this message : " Your Payment of {$390.00}. XXXX to XXXX XXXX XXXX appears to have been unauthorized. If you did not make this transaction contact us @ XXXX ( XXXX ) XXXX ''. 
Its trying to tricky innocent people using an anti virus famous name asking for money via PayPal ... sending fake invoices...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
FCRA Violation : address and names not mine 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 FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX FCRA Violation XXXX not mine remove from 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 non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
FCRA Violation : address and names not mine XXXX XXXXXXXX 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 FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXXXXXX XXXX Violation accounts not mine remove from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: PA

Complaint narrative:
On XX/XX/XXXX of 2022 I asked for a refund of the payments I made on my student loans during the forbearance period. I asked for the entire amount I paid during the forbearance period to be refunded. They said it would take XXXX - XXXX weeks. I sent another email in XXXX and they responded the time period can take XXXX weeks. It has now been XXXX weeks. I need the money and this should have been taken care of by now. I also called and requested the refund in XXXX. 
Thank you for addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well National Credit Syst open on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX  open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX  open on XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XXXX XXXX the amount of XXXX Hard Inquires that was opened XXXX/XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX/XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with XXXXXXXX XXXX has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account Name : XXXXXXXX XXXX  XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NY

Complaint narrative:
I've been with this credit card company for many years but got really disappointed on they had set up a cheating scam in the balance transfer offer, that all the purchase balance if ever happened after the balance transfer, will be charged with a high interest rate until you pay off the ENTIRE balance transfer with 0 interest rates. This is totally a scam as the reason you want the balance transfer is about the time to pay, so I made XXXX  of dollars purchase after the balance transfer and I did made XXXX  of dollars of payment try to cover the purchase balance, however these had been putting towards the balance with 0 interest rates. Right now I got a XXXX dollars purchase balance subject to 18 % interest rates forever before I totally pay off the balance transfer because none of my payment had been allocated towards that balance!! 

This is a common cheating scam that few of the small credit card company would do that people should be aware. I've been using balance transfer with other credit card companies for years and I never had that problem. ALL THE PAYMENTS SHOULD BE ALLOCATED TO THE PRIORITY OF BALANCES SUBJECT TO HIGHER INTRESET RATE FIRST!!!! THIS IS THE GOLDEN RULE OF THUMB!!! YOU DON'T TEND TO CHARGE THE CUSTOMER MORE BY SETTING UP SUCH TYPE OF SCAMS!!! 

And even think about this, the customer trust you guys using your card to setup for stuff like autopay, you are going to make them pay for high interest for those purchases forever before they finished paying those balance transfer offers with 0 interest rate? 

The cardmember service stuff who answered the phone had a nasty attitude, refused to help and being very proud of they are doing the right thing, also claiming that's the standard in this industry! Why you are saying that!!! That's so funny. By the way, I think throughout my experience, the customer service attitude for Fidelity credit card is always the worst!!!

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 2022-12-14 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: FL

Complaint narrative:
XXXX  Today I spoke with Sallie Mae in hopes of coming up with a more flexible payment plan instead of the XXXX XXXX monthly payments as well as the 12 % interest. I have a small XXXX XXXX old child, with many expenses-we have even got rid of one of our cars to reduce monthly costs. This company offered me zero help or support simply said the interest rate would go up if I opted for any type of repayment options and even that would only reduce my monthly payment by XXXX XXXXwhich I feel should be or is illegal. I am questioning the moral conduct of this company as a whole. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX all throughout the pandemic. This is not how you treat those who have chosen public service jobs. Offering no sort of loan repayment options or support. This is not sustainable especially during these economic times. I wish for this company to be fully audited on their practices and " programs '' entirely criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: N.A.R., Inc.
State: NV

Complaint narrative:
They did not use abusive language. The problem is they called me looking for someone else. They ask me if I knew the person and i never responded. The person XXXX ( unknown spelling ) proceeded to tell me their clients personal information in an attempt to gather more info. I attempted to warn them to not give me someone's personal information and then explained that I never verified knowing the person they called about. They in turn hung up, but it's too late personal information was given out to unsuspecting people. I called back the number and left a voice mail about not giving info out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
A fraudulent transaction occurred on my Citi LL Bean credit card. Someone drew a {$8400.00} convenience check against my card. This generated a fee of {$330.00}. All occurred mid XXXX. Citi immediately placed the {$8400.00} into a disputed status and removed it from my account. However, there policy is that the {$330.00} remains until after the investigation which could last 60 days. They dont plays fees into dispute?? This makes no sense. I am getting notices of payment due. I have made 4 calls to Citi. Last two escalated to fraud investigation where I learned of this policy. They would not take the {$330.00} away. They agree I will be late on a payment and to my knowledge my first ever. My credit score dropped XXXX points when this occurred. Surely it will drop again when the account goes past due. Please help. My issue is no one at Citi above these hard working customer service reps were available for me to state my case. On each call I asked for some one with authority to handle call me. No way. I have to write then in XXXX XXXX. I assume and hope you can help so this frustrating experience can be resolved and maybe help others. Thanks.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a paper statement from Best Buy, XXXX for a credit card that I never applied for. The amount is for {$2900.00} on XX/XX/2022. I already called XXXX and notified them, called Citibank, closed the account, and filed a police report.

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 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NJ

Complaint narrative:
This is not a duplicate complaint from 2021, I have made several payments that financial company did not apply any amount to principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: IL

Complaint narrative:
I sent a certified letter, tracking number XXXX through XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they have not replied in a timely manner. I have attached the letter that was sent to them and the reasoning for it. I have not received a response within the last 30 days. So I am asking for this debt to be deleted on my credit report.

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 2022-12-14 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Currently, I pay {$270.00} bi weekly to the XXXX XXXX XXXX but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto 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 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022, I wrote : To Whom It May Concern : I sent a letter to rescind my contract for the above loan number ending in XXXX to XXXX XXXX XXXX XXXX XXXX late XX/XX/2022. It was received by XXXX XXXX XX/XX/2022. I have proof of this, as the Certified Receipt was returned to me with a signature by an employee of XXXX XXXX. I have since received countless phone calls from XXXX XXXX requesting payment for the loan mentioned above. I requested someone from XXXX XXXX XXXX XXXX to give me a call or contact me regarding my claim to rescind the contract. Each representative, including supervisors from various departments claimed they did not have a contact number or email that was directly to the corporate office. I am displeased in discovering that information as that speaks to the integrity of XXXX XXXX as a whole that is unwillingly to deal with special circumstances that a lower-level tier departments are unable to do. 
I made referenced to 15 U.S.C. 1635 ( a ) ( b ) ( f ) and all information pertaining to that law to back my claim to rescind. XXXX XXXX never provided forms of rescission to me, nor did they make my right to rescind clear and conspicuous, as stated by the law mentioned above. As of this result, I wrote a letter to rescind, and XXXX XXXX had 20 days to come and pick up the property mentioned ( XXXX XXXX ). As of XX/XX/2022, they ( XXXX XXXX ) did not come, therefore, by LAW including EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256 the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or summary. Meaning the property ( XXXX XXXX ) is now mine free and clear of any past/future due payments. As well, I will make mention that I have never been late on any payments, but XXXX XXXX has continued my payment as late and now in default. This I may add, is a defamation of my character, as it has now hit my credit report. I am now having to explain a false statement made by XXXX XXXX to other lenders because I am now looking for a vehicle to buy. I feel targeted by XXXX XXXX putting false statements on my credit report because they will not adhere by the laws, rules, and regulations given. I need someone to contact me within 10 days of this notice so that we can resolve this issue and move forward with the receipt of my just due Title to the vehicle. Otherwise, please accept this letter as my intent to sue by means of my defamation of character and not adhering to my rights to rescind said contract. 

Everything above is what I sent to the corporate office, and they continue to deny me my rights set by law. They are harassing and bullying me with phone calls and scare tactics of repossessing my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

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

***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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 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 2022-12-14 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 acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

***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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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