vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
XX/XX/XXXX met with XXXX XXXX XXXX Rep XXXX XXXX to wrap up my contract on solar panels. When the contract was signed I was told that the loan from what is now Goodleap would not start until the project was complete. In XXXX of XXXX I received a call from XXXX XXXX XXXX Customer Service wanting to do a final walk through so they could get paid, I told them at that time the project wasn't complete and never agreed it was. Although I told them the project wasn't complete my payments began, I was told by XXXX XXXX XXXX that they would cover my payments until the project was complete, as of today the project is still not complete and XXXX XXXX XXXX has never paid a XXXX. I told the Goodleap representative on numerous occasions that the project was not compete and that I should not be making payment according to my contract, she told me that wasn't their fault. {$91000.00} was them amount of the loan for a product that still doesn't perform as we were told it would by XXXX XXXX XXXX XXXX Representative XXXX XXXX. I have hundreds of emails, text and documentation to back up all the issues we've had. Part of the contract was that a bulk payment of over {$20000.00} would be paid by a federal government refund for getting the solar panels according to XXXX, I told him over and over again we had not tax liability and that we would not receive this but he insisted that we would. This month XX/XX/XXXX my payment will got from {$320.00} to {$440.00} and I still have an electric bill to pay. These panels were suppose to XXXX out my electric bill according to XXXX XXXX but hasn't even come close. After the payments started could no longer get in touch with XXXX XXXX quit answering my calls and text. Filed with XXXX and XXXX XXXX from XXXX XXXX XXXX was assigned to my case. My last contact with her in XX/XX/XXXX was that the company was going to reimburse me for all damages to my home, all payments that had been made on the loan and add more panels to correct the problem. Now the are out of business so I have a product that doesn't perform as we were promised it would and they also replaced my roof and this week I discovered a leak which I will now have to deal with, suppose to be under warranty with them?

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

Complaint narrative:
I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts 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. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I'm days to close on a mortgage and everything ( documents ) on the painful process has been complete ; we are in the final stage to close, and the lender is not accepting my funds to close, arguing that my money may be a XXXX  or XXXX  source because I have deposited XXXX cash from my safe in order to have enough money, because of this, the lender is requiring a gift letter from someone else to justified my funds. As a result, I'm loosing around {$2000.00} which I invested already on the appraisal, survey, inspection and {$1000.00} tittle deposit. 
I can prove that the funds available in my bank accounts are clean money coming from my two jobs and my retirement deposits, and NOT XXXX money from XXXX  or XXXX  money as they suggested. I have refused to close with the demands of the lender not accepting my personal funds and asking me to get a gift letter. In addition, the lender refuse to provide a final closing statement until I don't provide the gift letter. 
My name is XXXX XXXX, and my phone number is XXXX XXXX. 
Thank you for your attention in this matter.

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 2022-10-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
this account has already been reported and deleted from my account due to unable to be verified. by law this account needs to be removed within 30 days. I have proof as well I am send with this attached. I have already disputed and Experian removed it. I don't know why they decided to bring it back, that is against the my credit consumer law. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX allowed me to make a payment arrangement with them to pay my account. And get caught up from being behind due to Covid-19. I asked how this would impact my credit report. And I was told multiple times not to worry about the credit reporting. Because XXXX was giving me an accommodation. And that under the FCRA any loan modification to your original loan terms was an accommodation. And could not be reported as anything other than current.

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 2022-10-11 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: TX

Complaint narrative:
I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an 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 2022-10-11 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I submitted a dispute with XXXX XXXX on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting XXXX XXXX  but Ive gotten no answer or call back. The agency I disputed is called Credit Collection Services in XXXX, MA. Please help as I dont know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Penn Credit Corporation
State: MI

Complaint narrative:
On XX/XX/2022, I sent a certified letter to Penn Credit Corporation Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from Penn Credit Corporation dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. 

I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. 

XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I believe Amex is not acting in the spirit of an unbiased arbiter in my dispute ( as mandated by the Fair Credit Billing Act ) with XXXX, because of its commercial relationship with the merchant. I am fearful of the eventual final outcome of this unfair process.

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

Complaint narrative:
On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from XXXX XXXX XXXX dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and Equifax. 

I also sent copies of these letters to XXXX, XXXX and Equifax via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and Equifax have continued to report this inaccurate and false information. 

Equifax have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am worried about fraudulent activity as I gave away personal information. I made an account with Experian to freeze my credit reporting and I am unable to log in. I have reset my password so many times ( more than 10 ), but when I enter my new password, I am unable to login. 

I just want to make sure that my credit is actually frozen and that they have the right email because I have not received the confirmation email I was told I would receive. 

I am afraid that they have a fraudulent email and they can undo my freeze with the pin they received. 

I tried for a whole hour to get in touch with a human and I am unable to speak with anybody. 

My credit is at risk because no one will answer.

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 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Albert Corporation
State: CA

Complaint narrative:
I had an authorization hold returned to my card my a merchant. It never showed up on my card. I called the merchant ( XXXX XXXX ) who gave me the date ( XX/XX/XXXX ) and authorization number for the release but, XXXX its saying they did not receive it. XXXX asked if XXXX could call them or I conference call with XXXX on the line to get it resolved but, XXXX is refusing. They will not speak to me in the phone or XXXX XXXX. XXXX will provide proof to XXXX but can not send to customer but, XXXX refuses. I am now out of {$300.00} that was sent to XXXX. XXXX knows XXXX will only provide proof to them and, not the customer so, they told me to prove it myself or I dont get my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On Monday, XX/XX/22 at XXXX XXXX  a person had left my wife a message claiming they were with our local law enforcement, Warrant and Claims department and stating they were going to detain my wife for missing jury duty. They claimed she had gotten a certified letter in XXXX that she signed for, stating jury duty was upcoming. My wife call them back, claiming to be XXXX XXXX with the XXXX, MN police department. He had asked to transfer money over the phone otherwise my wife would be detained for paying as she had a warrant out for her arrest. Unknown to me, she was in the other room of our house dealing with this person, transferred from our Wells Fargo Bank account through XXXX, {$1000.00}. After 20 minutes of dealing with this person, she had me talk to them as they wanted to transfer money from XXXX next in the amount of {$1500.00} and trying to get a total of {$3500.00}. I talked to the person " XXXX XXXX '' and called his bluff, unknown to me she had already transferred the {$1000.00} through XXXX. I stated if he is a police officer how can he prove it... he said he would hang up and call from the main number at the police station. He called back 30 seconds later and phone number came up with the XXXX Police department. I actually started to believe him somewhat, but told him still not good enough. 
He was going to have my wife stay on the phone, record her mileage on our vehicle and drive to the XXXX, MN police station. He stated she could not go anywhere else, to stay on the phone and drive directly to the XXXX Police Station and she was about to. I told him, the police could come to our house and arrest her if this was true and told her to hang up, in which she did. 
I started a claim with our bank, Wells Fargo and filed a police report. Wells Fargo stated today, XX/XX/22 that the claim has been closed, they reached out to the other bank and was unlikely to get our money back. 
This is very upsetting that someone would push this hard and take money from hard working individuals and keep going on to the next person and do the same thing. There has to be protection out there for this. We have banked with Wells Fargo for 30 some years, have excellent credit and no records, even as far as a speeding ticket.

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 2022-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX I sent a letter to the XXXX along with documents from Wells Fargo and a spreadsheet showing a detailed list of every financial item from XX/XX/XXXX until XX/XX/XXXX. It was assigned complaint number XXXX and forwarded to Wells Fargo XXXX The intent of these documents was to show the deceitful way in which Wells Fargo serviced my loan and the deliberate lies made by Wells Fargo. This account was passed from Wells Fargo in XXXX of XXXX to XXXX  for servicing. Wells Fargo never directly answered my questions about the missing payment from XXXX XXXX or the disappearance of {$2300.00} in escrow that went into my account in XXXX of XXXX. The letter I received from a executive of Wells Fargo on XXXX XXXX of XXXX still claims an escrow overafe from XXXX of XXXX was applied to my XX/XX/XXXX payment. As is shown on the financial spreadsheet this is a false statement. In actuality in XXXX of XXXX the escrow account was short by {$340.00}. The so called escrow overage was funded out of the funds I sent in XXXX of XXXX. Also the {$340.00} shortage was paid along with the beginning scrow balance of {$730.00} on the XXXX XX/XX/XXXX starement. The letter stating there was a escrow overage in XX/XX/XXXX was sent in error. Why Wells Fargo was not honest and say it was an error is what I did not understand. When reviewing the spreadsheet I Found that wells fargo intentionally caused my attempt to refinnce and get my mortgage undern90 days late was blocked by reversing the XX/XX/XXXX payment on XXXX XXXX. THE {$1200.00} was also taken back and never accounted fot as it is not included in the YTD amount paid in XXXX nor is the YTD amount paid into escrow correct. .This isnt correctable by Wells Fargo XXXX I want the appropriate legal action taken against Wells Fargo. Also if Wells Fargo applied a advance of {$2200.00} around XX/XX/XXXX where did it go? The amounts due for this account were not correct when handed off to XXXX. I notified both corporations. Also, I verbally requested a legal firm be added to my account in XXXX of XXXX in a 3 way conversation. Wells Fargo granted them access on XXXX XX/XX/XXXX. 6 days before they made a final decision on my request for a modification.This cost me {$6000.00} and they never had a chance to see anything.

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 2022-10-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NATIONWIDE ACCEPTANCE LLC
State: WA

Complaint narrative:
Last week started complaint with WA state AG, as I received a garnishment notification on a debt judgement dated XX/XX/2014. 
Washington state statute of limitations is 6 years. I do not recognize the company. There are not public records for my person in the said county on the written threat of garnishment mailed to my address. Some of the judges listed in the order do not exist and/or are in other states, jurisdictions, not related to the state or county the garnishment is said to be filed in. 
This is also past the 7 years allowed to be reported on credit.

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 2022-10-11 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:
On XX/XX/XXXX I sent my 3rd request to have the correct spelling of my name and address updated on my credit report along with my drivers license, Social Security card and bank statement showing proof that this company is reporting incorrect information. This problem is causing me to be denied of necessities that I need to survive such as a apartment and car loan. This company is refusing to update my correct name and continues to send me letters to send in my Driver 's license and Social Security card even though I've already done so. My name is XXXX XXXX and I need this information updated immediately.

Company response to consumer: Closed with explanation