vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
So there was no options on you list to describe my problem. So I got scammed into buying solar through XXXX XXXX XXXX XXXX  and the {$50000.00} system that was financed through good leap has never worked.so I stopped payment .good leap sent over a tech to disconnect the system ( that never worked ) and in the process knocked out half the electric in ny home. Several rooms had no electricity including my refrigerator. So I came home to everything in the freezer melting. It was this past XXXX  so I had to wait till XXXX  to get them on the phone and when I did the lady I spoke to said if I pay what I owe they can send someone back to connect my system.I told them I really dont care to have the broken system connected again but they needed to send a tech to properly disconnect the system! I got transferred to another lady also demanding payment and they refused to help me. They knocked out half the electric in my house and refused to fix it and I had to get an electrician over to fix it. Please ..this has been nothing but a nightmare. Good leap is wrong on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
THIRD FEDERAL SAVINGS & LOAN IS SERVICING THE SOLAR PANEL LOAN. I WAS TOLD THE SOLAR PANELS WOULD BE PAID THROUGH MY LOAN, WHICH IS NOT THE CASE. I WANT TO PAY THE LOAN OFF AND HAVE ASKED FOR THE PAYOFF DEMAND NUMEROUS TIMES. SINCE I WAS UNABLE TO OBTAIN A PAYOFF DEMAND FROM MY LENDER DIRECTLY I ASKED FOR ASSISTANCE FROM THE THIRD PARTY REFINANCING MY HOME TO PAY THIS LOAN OFF. MY THIRD PARTY IS GOING THROUGH THE SAME THING I WENT THROUGH AND THAT IS THAT THE SERVICER IS REFUSING TO SEND OR PROVIDE US WITH THE PAYOFF AMOUNT. I HAVE ASKED FOR THE PAYOFF DEMAND TO BE SENT TO ME VIA US MAIL, FAX AND EMAIL AND NONE OF THESE METHODS HAS WORKED FOR THE LENDER AS I AM YET TO RECEIVE MY PAYOFF DEMAND. 
THEY PLACED A SALE DATE OF XX/XX/2022 AND ARE AWARE I HAVE THE LOAN APPROVED AND SIMPLY NEED A PAYOFF DEMAND. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED. ATTACHED IS PROOF WE HAVE ASKED FOR PAYOFF DEMANDS AND CONTINUE TO WAIT FOR THE DEMANDS. THE PAYOFF DEMANDS HAVE BEEN REQUESTED IN WRITING AND NOTHING HAS BEEN PROVIDED AS OF YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX I received an email saying that I opened a checking account with Bank of America, although I did not. I do have a credit card with them and logged into my account and noticed the checking account that I did not open. I believe that Bank of America opened this checking account without my permission. I have tried several times to get a hold of their fraud department but have not been able to reach anyone. I need the account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: EdFinancial Services
State: MA

Complaint narrative:
I called Edfinancial on XX/XX/XXXX to request a refund on my student loan for the amount I paid while the loan and interest payments since XX/XX/XXXX, as I had opted back into paying months loan payments in XX/XX/XXXX. The person I spoke to said that the government was automatically covering the refund process and that there was nothing they could do. I called back on XX/XX/XXXX to request a refund again, as I want the refund before I apply for the XXXX administrations student loan forgiveness program. The person claimed to process the refund request, but they did not provide any confirmation of the refund request being made. It is now XX/XX/XXXX and I have not received the refund, while reading about how other loan providers have been processing and sending refunds within XXXX week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I purchased a new car that was financed through Kia Finance. I intended to pay cash, but the Kia dealer convinced me that I could get a lower price on the car by financing it, because the dealership gets a benefit. So, I financed the car through Kia Finance. Then, I proceeded to pay off the car by submitting the full payoff amount, which was stated by Kia Finance as {$43000.00}. The payment could not be submitted in full, because the upper limit was {$25000.00}. Consequently I submitted the payoff in XXXX payments ; XXXX for XXXX and another for XXXX. The payments were submitted on XXXX XXXX, and recorded on my bank account on the XXXX for XXXX, and the XXXX for XXXX. 
I am a retiree, and this money is from our savings. Every dollar is important. Despite the fact I paid the loan in full by the time the payoff amount was valid, Kia still shows a balance of {$1000.00}. I have spoken to them about this 3 times. The first time, the clerk acknowledged that I had paid in full by the time required, and promised to get it taken care of. I have the conversation recorded. After 2 or 3 weeks, the balance is still there. I called about it today, and the clerk argued about this with me and eventually hung up on me. I called again, and asked for a supervisor. The supervisor named XXXX, again acknowledged the account was paid in full by the payoff amount date, and said he will submit a request to clear the account. In fact, XXXX informed me I had paid an excess of {$9.00}. 
It is unthinkable that a credit institution of this caliber would continue to make gross errors of this kind and not endeavor to correct them. At this point I have no faith that they will correct this and will continue to demand an excess of over {$1000.00} to get my title cleared and the account cleared. 
Please assist us with this travesty of credit handling. I feel I am fighting a giant hiding behind a bunch of questionably qualified clerks with little power to do anything for the customer. 
Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXXXXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX XXXXXXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX  is in violation of 15 usc XXXX and 15 usc 1693l for waiving my consumer right in agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: MO

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

1. Account concerning XXXXXXXX XXXX XXXX and. 
2. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ).

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my 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 2022-11-02 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: MO

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

1. Account concerning XXXXXXXX XXXX XXXX and. 
2. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ).

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my 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 2022-11-02 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: GA

Complaint narrative:
My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are 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 explanation
Consumer complaint received 2022-11-02 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: NV

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. 

Account name : 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 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 XXXXXXXX, 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: NV

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. 

Account name : 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 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 XXXXXXXX, 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act. These creditors Have violated my rights. 
Indigo- XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-11-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank issued a credit card to me after I applied for one. This card was allegedly sent to my mailing address on file. I never received the card. I checked my mailbox on the day it said it was delivered. The card was either taken out of my mailbox or was delivered to the wrong address. I have no proof that it was actually delivered. Someone else activated the card and started using the card on XXXX XXXX, the day it said that the card was " Out for Delivery ''. The card was charged almost 8 times at different stores within the 24 hours it had been activated. 

I'm very confused as to how the card was activated if they didn't have my social. It is my understanding that the last 4 digits of your social were needed in order to activate the card. I am very disappointed that Citibank has such loose security standards and that a complete stranger was able to activate my card. 

I have attached a picture of the bank statement which consists of charges that were not authorized by me. I have also attached the email notifying me that the card was out for delivery.

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 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence keeps calling me. They call my cell phone number on weekends and late in evening. I do not have a debt with anyone. I owe no one anything. I keep blocking them they call with different number. I dont pick their calls but they keep calling. I need my peace and privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX  to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by apple  card to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Apple/ Goldman Sachs is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX, I detected two unauthorized ATM transactions in my Amex Serve account.I contacted Amex and they start investigation.They never credited my account with the missing money.After 45 days Amex said that transactions was authorized.They never did any investigation. Amex don't have them own ATM .I brought that case to Attorney General Office for Dispute Resolution.After 6 months AG office said that can't help me, because Amex never answer to them request.I brought that case to XXXX XXXX XXXX XXXX I have Judge Decision and Notice of Order ( XXXX ) ENTERED on XX/XX/XXXX for the amount of XXXX $ in FAVOR of XXXX XXXX sent to Amex Copy of Judgment and Notice of Entry. After fife weeks silence from Amex, on XXXX, I brought my case to XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - Fax : ( XXXX ) XXXX. 
Already 3 months since, I STILL DON'T HAVE MY MONEY. 

Sincerely, XXXX XXXX ; DOB- XX/XX/XXXX ; SSN # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Amex Serve ; Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are inaccurate.

Company response to consumer: Closed with explanation