vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
In XXXX of 2022 I got a loan for Solar Panels to be installed by XXXX XXXX XXXX XXXX XXXX XXXX to be put on the house and Financed through XXXX. Three months went by and XXXX XXXX never finished the installation. After another two months went by with extended attempts to contact XXXX XXXX they never returned any calls or emails to finish installation. By this time my payments to XXXX were first due in XXXX of 2022, after multiple attempts to explain to XXXX that the solar panels were not finished installed and or operational. XXXX informed me that XXXX was paid in full and I was required to pay my loan even though the panels were'nt working. XXXX dipersed funds to XXXX without confirming that the solar panels were fully installed and operational. XXXX XXXX has since filled for bankruptcy and is under a Class Action suit from the Arkansas Attorney General XXXX file # XXXX. Also filled a complaint to the XXXX  case # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
After paying timely on all payments I became permanently XXXX in a few years of owning the car. I knew I had XXXX insurance on the car or else I would have never bought it. I paid extra for that insurance. Instead they denied it... but fired the salesman who was caught frauding the customers. They had my car towed and gave me no paperwork of where my car was going or an Auction date. Plus, they know I have XXXX and my son is joint on my bank account. They have been stealing his money now for two years. After he deposits his state check for taking care of me they swipe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My consumer rights have been violated. 15 USC 1681bPermissible Purpose of Consumer Rights, also 15 US Code1681 ( 2 ) ( a ) ( i ) and 15 US Code 1681 ( b ) ( 2 ) ( a ) ( 2 ) In General : meaning unless a consumer reporting agency has my written instructions, you are not to furnish anything in my report. Permissible purpose means with consent and or written instructions. No One had my written instructions to report onto my consumer report!

Account Resolutions Corp has violated my rights and violated the consumer law according to 15 US Code6802 Obligations with Respect to Disclosures of Personal Information, a financial institution is suppose to give me 3 disclosure forms : 1 ) letting me know that they are going to report 2 ) letting me know that I have the right not to disclose this information to the consumer report 3 ) letting me know that I have the right to do so, and how to exercise that right Account Resolution Corp has not shown me any proof that their company has sent me the three disclosure forms, most importantly, where I signed to NOT OP-OUT, they can not provide that proof, because I was never given those documentations. Therefore, my consumer rights being violated! 

This is a violation of the No SUPRISE Act This is a violation of HIPAA Also, in the state of Florida in order to collect an alleged debt, you have to be licensed in the state of Florida Account Resolution Corp is not licensed in the state of Florida, so why are they allowed to report anything onto my consumer report? I demand immediate deletion!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX has fraudulently report 2 false balance to collection due to a change of management. I had a membership at XXXX XXXX, during covid I had some false charges despite all gyms being closed at the time. Later on, I realized I had an outstanding balance, I paid the balance and decided to closed the account membership. 6 months ( XX/XX/2021 ) later I realized they had reported 2 false collection balance to the all three credit bureau ( XXXX, XXXX, XXXX ) by the collection company name ALDOUS AND ASSOCIATES. I've contacted the original creditor, and they have reassured me that I never had a balance that went to collection. The original credit said error occur due to a change of management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did not authorize this application please get this removed from 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 non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I contacted AMEX in regards to XXXX payments we submitted that would be returned due to an accident involving our bank accounts. AMEX reassured me over the phone that a returned payment would not be an issues, rather that we would only incur a small {$39.00} fee. 

The returned payments came and went, we made substantial large payments to heavily pay down our balance in the amount of {$4000.00} & {$7000.00}. This was all fine until yesterday. We opened a new AMEX business account for another company and our account was sent to financial review, during the review they saw the XXXX returned payments, and charges with a company that they deemed was " affiliated '' with us, which they provided no explanation about how they came to this conclusion. After making this review they immediately closed my long standing account ( since XXXX  ) and also suspended our new account. 

AMEX baselessly closed these accounts and refuses to provide any valid reason for the closure even though we were upstanding users and made on-time honest payments for years. We were never late and never carried a balance over our limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i don't recognize this application please get removed from 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 non-monetary relief
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
LOFT credit card customer. New credit card was issued ( I did not request this new card, I think the provider changed ). I used the card in XXXX, spent {$40.00}, but my auto payment was stopped ( without my knowledge ) and then no statement sent until XXXX. I was thus 3 months late in payment as I expected auto pay to resume, and had received no statement. Once I realized this in XXXX, I paid. However my 3 month delay was reported to credit agencies and my score dropped over XXXX points. I am trying to purchase a home with my husband l, and this is a huge issue for us and costing us thousands due to my low score. Repeated attempts have been made and no one from the bank servicer can help die to internal policies, but clearly there could be something done for a good will adjustment. 

The company tried to call me in XXXX to let me know of the late payment, but every time I picked up, no one answered so I assumed it was spam. I had to call myself to see what the issue was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal emailed me today XX/XX/2023 at around XXXX Eastern time telling me that some sort of balance was going to be transferred to XXXX and did not specify any additional details on how to reach out to this organization or on how to even discuss the alleged " amount '' that was owed. After speaking to an agent there was an unidentified {$30.00} balance on the account and Paypal has not sent any mailed communication or phone call to me notifying me that any amount was owed or where the charge even originated from. I have called Paypal many times before trying to rectify with them why I could never access my account though they never answered in a timely fashion every time I called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION Some of the information in my credit report is inaccurate or incomplete, or both. Please correct all of the inaccurate and disputed issues below. 

XXXX  - LATE PAYMENT 90 DAYS I have asked you to verify this late payment and send me, via USPS, how you determined that I paid late. I do not have any late payments, but my credit report shows otherwise. Please fix this. I paid this debt. I disputed this debt with the furnisher, but its not reporting as disputed. ] Please correct this information. 

Please send me all proof and any information you receive from your investigation, and tell me what procedure is used to decide the correctness of the information you report, plus the business name, address, and phone number of any people/companies that give you information. Also, please send me a complete copy of my credit report. 

Thank you,

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
Purchased a {$300.00} gift card for a family member the week of XX/XX/2023 at a XXXX in Utah. Family member attempted to use the card at XXXX XX/XX/2023, the card was stolen and already used the same day about an hour before the use at XXXX, a fraudster used the card in NY for {$300.00}. The family member and I began the dispute process, which has been a complete nightmare. Faxing the documents they asked for, then having the case closed for no reason. We are now having a bi-weekly calls with this company to get nowhere or have any action taken. They continue to give us another hoop to jump through to send documentation because they did not get the fax or that the docs that were sent are not correct. They have asked my family member to send in PII!! This is a fraud and they should never ask for an ID or birth certificate. We are now sending a XXXX  to have proof that they received it, which they continue to lie that they never received the XXXX. We are now on week four of this nightmare. Today XX/XX/2023 we are told they received my XXXX  but need the XXXX receipt to have proof that we even purchased the gift card, even though it has already been provided. This company does not care of the monetary harm it causes consumers and rather help their fraudsters out get the money from the gift card. Today, we are involving our credit union disputes department to help us with the merchant charge back since we have enough proof we have attempted to resolve this with the merchant. 
Website - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
Possible has provided no physical way to pay my loan off. They are utilizing an old debit card they are refusing to let me change, and have no way of changing in the app or on the website. They do not have any way to verbally contact them. The number they provide in your credit report, that they continue to report to even though you cant contact them to pay it off, goes to a recorded line that tells you they do not actually have anyone to talk to, you have to go online and email them. If they expect anyone to provide any personal info especially a debit card over email is violating our rights. Not allowing us to pay our loan back is violating our rights. They also only use a third party platform called XXXX to use bank accounts to pay. This XXXX platform does not support my bank that is a state bank in which I do all my other banking through and receive direct deposit. Theyre getting reported to the XXXX  They have the chance to fix this and receive my money to pay off my loan, or they can decide to continue to violate consumer rights, get reported, and excuse my loan. All major credit bureaus will be aware of the fraudulent activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Ive received phone calls from a third party stating they are a location officer and that I need to contact XXXX. 

I called the company and was read a document stating they would be filing a lawsuit and they have nothing to do with location services. The company never disclosed they are a debt collector nor did they state theyre attempting to collect a debt. The company also never stated their full identity only called it national. 

I tried to speaking with both location services and national but was never given any information outside of we filing in XXXX XXXX. 

I asked on XX/XX/28 to receive a letter validating this and was denied stating I would receive that in a legal summon through the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX  QUALIFIED WRITTEN REQUEST, AGAIN XXXX In your response dated XX/XX/XXXXXXXX  you claim you reported my XXXX and XXXX payments late because you had purchased insurance so those payments were diverted and NOT applied my mortgage as per my aggrement with you from XXXX. 
You are fully aware that you Chase purchased insurance and on XX/XX/XXXX according to the Account Information you provided posted ( {$2200.00} ) page 11. 
Now after numerous letters, requests, QWR you refuse to correct those late payments you posted for XXXX and XX/XX/XXXX. 
You are fully aware that you violated the law by not doing any investigation. If you had you would have realized you Chase erroneously posted ( {$2200.00} ) on XX/XX/XXXX as I have filed many complaints through CFPB. 

BUT YOU CONTINUE TO IGNORE YOUR RESPONSIBILITY TO CORRECT THE ERRONEOUSLY POSTED ( {$2200.00} ) In addition the refund check you sent me in XXXX  for {$2200.00} to reimburse me for you error was taken by XXXX and I was denied the monies intended for me. 
Again you pretend your not aware of any errors continuing to violate the law. 
THIS IS A DEMAND TO REVERSE THE POSTING OF LATE PAYMENTS FOR XXXX AND XX/XX/XXXX. 
In addition I want you to admit the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments debited from my checking account for {$840.00} was received by your mortgage department. 
Detail in depth if you Chase instructed at any time in XXXX  to date to XXXX XXXX XXXX  or XXXX XXXX or any other servicer that you Chase did not receive {$840.00} on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I'm requesting an IN DEPTH EXPLAINATIN FROM YOU CHASE Admit the following statement is false : We have researched your XXXX  On XX/XX/XXXX, and XX/XX/XXXX, we sent you letters requesting proof of insurance coverage for your property. We didnt receive the requested information, so we purchased a homeowners insurance policy for you on XX/XX/XXXX. For your convenience, we are enclosing a copy of the letters. You were issued an insurance refund after we received proof of insurance. Our research has confirmed that you had a lapse in coverage from XX/XX/XXXX, Otherwise send the documentation that you have in your possession showing there was a lapse of coverage commencing on XXXX XXXX Late payments Chase why did you refund {$210.00} on XX/XX/XXXX Is it true that you once again erroneously charged XXXX for 5 late payments then once again realized your erroneous posting and tried to correct your continued erroneous postings. 
Isn't it true that you Chase by continued errors falsely claimed you did not receive mortgage payments for XXXX XXXX and XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I had an Apple Card open for two years, used it modestly and paid on time, always. Never late, no returned payments e.t.c. One morning my account is frozen and an email stating the account has been closed. I called Goldman sachs many times to ask why the account was closed and was assured over and over again that I would receive a letter in the mail, no dice. I called again, was escalated to a senior advisor who opened a case and provided a case number, was told it could take up to a month for the investigation to complete, I was never informed on anything and attempted to call back and was told the case number didn't exist. My account is still closed and no proper reason was ever extended to me. I've read online that Goldman Sachs has accidentally closed these accounts many times and users have reported little to no success in finding out why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXXr {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character

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 2023-03-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Never Authorized or applied to any of these companies XXXX XX/XX/22 XXXX & XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NV

Complaint narrative:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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