vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
In XXXX XXXX I entered a loan agreement from what was at the time called LoanPal ( now called Good Leap ) for solar panels from XXXX XXXX XXXX. Basically, the two and half years that we have had these solar panels, they have not worked properly for more than ta total of three weeks. We had an extremely difficult time with the Solar Company in attempting to get the problem resolved. Last year in XXXX and XXXX, we were finally put in touch with someone from the solar company who helped us reach a resolution. The company fixed our solar system and reimbursed us for the payments we had made during the time the system was not working. We thought this was the end of our problems. However, less than a month later, the solar system stopped working and our control panel kept displaying an error code. When we contacted XXXX XXXX XXXX, they directed us to XXXX because they stated that the problem was with the XXXX XXXX. We have not been able to get anyone with XXXX to help us. Since that time XXXX XXXX XXXX has closed down and filed for bankruptcy. There is also a class action lawsuit against XXXX. We do not feel we should have to pay our payments on a faulty system that does not work. We have contact the loan company, Goad Leap, who refuses to hear our concerns or address them. We have tried to stop making payments but they have threatened to report us to a credit agency. I have made a claim with our state Attorney General who has given us information to fill a claim with the bankruptcy case of XXXX XXXX XXXX. Basically, I feel this loan agency should assist us in finding someone to help fix this solar system or relieve us of the payments since this solar company obviously made fictitious claims and sold faulty systems that do not work. Also, there are thousands of other customers who are in the same position as my family with these faulty solar systems and loan agencies refusing to offer any solutions or relief. I am in a XXXX group dedicated to victims of XXXX XXXX XXXX, so I know there are many victims of this fraudulent company. Also, many victims of this state that Good Leap is refusing to send them their loan documents.

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 2023-01-13 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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 2023-01-13 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened an account with Comenity BankXXXX XXXX Credit Card XXXX The company had a system conversion and I am unable to access my account online. I have been calling since XXXX to get this corrected and No One has helped me, I get hung up on, disconnected. I escalted and spoke to a supervisor in XXXX and she assured me that she would get the account converted into thier new system but it has not been fixed. I have called three times today and have been disconnected twice. I simply want my account to be accessed in the new system so that I can use online. I get a paper statement every month and I pay my bill on time. But since it is paper it is not reporting to my credit bureau. I understand that system conversion are tricky but there does not seem to be any supervisor who understands how to fix this. I need assistance with this issue and Comenity or XXXX XXXX  seem to be unable to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with XXXX, XXXX, Equifax, & through the CFPB. XXXX XXXX has XX/XX/22 Account XXXX {$16000.00} reported to XXXX & on Equifax report is {$16000.00}. This is a direct violation under the FCRA and XXXX invoking my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
To whom it may concern, Please accept this formal letter as request to investigate and remove inaccurate items from my consumer report which include late payments, derogatory accounts, unauthorized inquires, and inaccurate reporting closed accounts from my consumer report, I have found it has errors. It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, [ m ] aximum means to the greatest quantity or highest degree attainable [. ] And possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681 ( b ) ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681 ( g ).

5 ) Et seq.

Accordingly, I request your company provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer 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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 I was at work that unauthorized person withdrew {$260.00} from my bank account by using XXXX ATM on XXXX XXXX. 
I reported to bank but unfortunately the result was not in my favor even I filled polis report But it was not helpful.

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 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwiker & Associates is using aggressive and excessive collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX I noticed an amount of {$500.00} from my savings account was transferred to another person via Zelle . I didn't authorize nor I know the person this is transferred to. This prompted me to check all my transactions and I did notice that XX/XX/XXXX, an amount of {$900.00} from my checking account this time was transferred again to another person via Zelle that I did not authorize. I never transfer these amounts of money even with someone I know. I have attached my Zelle history and it has always been before {$100.00} transfers. I reported it to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
During the months of XXXX, XXXX, and now XXXX Guaranteed Rate has " lost '' my paid in full and on time mortgage payment. Despite several rounds of verifying and adjusting everything from the mailing address to the account number, I am still struggling with them with my most recent mortgage payment. I paid {$1400.00} to Guaranteed Rate on XXXX. They cashed that check, which cleared through my bank, on XX/XX/XXXX. As of today 's date this mortgage payment has not been credited to my account. I have been in contact with Guaranteed Rate 's customer service since XX/XX/XXXX and we still have had no clarity or resolution to the matter. I have sent all the documentation needed from my bank to Guaranteed Rate, to no avail. I have a trail of emails beginning in early XXXX with them, as well as several phone calls through XXXX and XXXX. Their response is they " are having trouble locating '' my payment, despite provided more than adequate documentation. My {$1400.00} payment has been " lost '' for six weeks now and I fear that Guaranteed Rate has acted irresponsibly and negligent with such a large sum of money. I would like this payment applied and my complaint addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
CONTACTED ME THIS MORNING BY TELEPHONE. 

I have previously requested the FULL AGREEMENT INCLUDING APPLICATION OR ORIGINAL AGREEMENT WITH SIGNATURE from NATIONAL CREDIT SYSTEMS which has NOT BEEN PROVIDED. 

I have NO CONTRACT with XXXX XXXX XXXX. 

I DEMAND THIS REPORTING ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I checked my Bank of America mobile app and saw that fraud was committed on my checking account. The first fraudulent charge was for {$19.00} to XXXX XXXX for a monthly subscription. The next fraudulent charge was for {$3500.00} to " XXXXXXXX XXXX XXXX '' in XXXX XXXX IL XXXX 

I live in XXXX and do not have a car. I have never been to XXXX XXXX, nor do I have the means to get there. The night before the fraud, I was at a wedding rehearsal dinner and then the day of XX/XX/XXXX, I was attending the wedding. There is no physical way that I could have made these charges. 

I immediately called Bank of America to file a complaint and to cancel/issue a new card. I still had my debit card in my wallet and I cut it up & threw it away that day. Bank of America opened this claim number : XXXX. They issued me a temporary refund. 

Bank of America has since ruled not in my favor multiple times even though I have submitted evidence of where I was located on the night before the fraud and the day of the fraud. They have since taken away the temporary refund. 

I am unemployed and currently living paycheck to paycheck. I need help fighting this fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America closed my account for potential fraud not done by me in XX/XX/2019 and I have not been able to open a bank account anywhere besides my credit union since. I do not think this is fair as I did not commit fraud, I live in Missouri and the apparent fraud was committed in Arizona at the time I believe. I also had a remaining balance of {$300.00} in that account at the time that I never received back. I would like the fraudulent activity thats stated on my consumer report removed so that Im able to open a bank account at a regular account. This is preventing me from handling day to day business.

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 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Debt was settled in court via lawyers and was paid but it was added as a payment to the debt after all documentation was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for the GM card with XXXX by Goldman Sachs in XX/XX/2022 about 10 times at their request because they kept saying they couldn't verify my identity. Each time I applied I had to upload my Identification... I submitted my Passport and Driver license on multiple occasions and kept coming back cant approve because we cant verify your Identity. When I would call to ascertain what the problem was the customer service reps would always say we don't know what the problem is just try again. Now it seems like their using some third party company to verify identity but they refuse give me their information. If I uploaded different Identification 10 times for this card and their saying they cant verify my identity that's a problem and I'm entitled to know the source of this inaccurate information!!! I don't feel comfortable with my personal identification being uploaded into someone database and their saying they cant Identify me. This is unacceptable!!! I have credit cards with different banks and have never experience this treatment of we cant approve you because we cant verify your identity when you have my Passport and DL uploaded in your database. No company should ask people to keep applying and not try to rectify the problem. The last person I spoke to was a XXXX and her supervisor and he just stated I cant give out any information pertaining to this matter. Very nasty and wouldn't help me rectify the situation so I could be approved. I'm entitled to know whose reporting inaccurate information on me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-01-13 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: TX

Complaint narrative:
Someone has been using my personal account to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
ALDOUS, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given ALDOUS whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX-day late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX-day late for XXXX and a 30-day late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.

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