vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
GoodLeap is working with XXXX XXXX to finance solar systems. My solar system installation started XX/XX/2022 and never completed, system has not worked since the installation. My contract says XXXX should test the system and verify it works before getting paid. However GoodLeap paid them in full without confirming or even notifying me. When I found out I contacted them and told them installation is not complete the agent on the phone basically said it is not their problem I have to fix it with XXXX. XXXX is not responding, they do not have any plans fixing it. Goodleap keeps taking money out of my account and I have XXXX on my credit report for a system that has never worked. 
In addition to that GoodLeap keeps calling me to remind that I need to apply for federal tax credit and give them that money. I told them that it is not legal to apply for tax credit unless system is operational, they said not to worry this is a common practice and their customers do that all the time. 
Is there anything you can do for me? The only way for me to stop the payments to close my account, open a new account and then I will have to deal with even bigger issues. Is this a valid debt? Can they just pay someone on my behalf without completion of the job and then force me to pay them?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was trying to sell our couches on XXXX XXXX I will admit I shouldve been more cautious but Ive been very sick and trying to take care of my XXXX XXXX XXXX so Ive been struggling with money more than usual.. a man reached out to buy them. He asked for my XXXX info ( which I knew I had but Im not very tech savvy or familiar with the app ). I gave him just my email and name. He claimed he sent the money but the funds were on hold until I verified the email. I did receive an email from XXXX that looked legitimate. ( I attached images of the emails. ) But it said there needed to be a double transaction to the account and an additional payment from the buyer for the verification and upgrade of the account. Then after he supposedly paid that, I received another email saying it was confirmed and I just needed to refund him in order for it to come through to my account. I feel like Id typically be more cautious of these thing but being in a pickle for money lately I guess I may have let my guard down.. It wasnt until after I sent the refund of {$300.00} that I received an addition email for further verification and I needed to send another {$500.00} Thats when i became skeptical and called my bank and found out that XXXX does not have those restrictions but there was nothing they could do since it would appear as a verified payment on their end so Im grateful I didnt send any more money, but getting scammed of {$300.00} is still pretty detrimental to my son and I right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone stole a $ XXXX check from the mail that was meant to go to the IRS for estimated tax payment. This person washed all of the writing on the check and replaced it with a new recipient, memo, forged the signature and deposited the forged check into their bank account. I filed a police report and sent a ton of evidence to the bank showing the fraud but the bank is saying that since it's been more than 30 days they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Paid XX/XX/2020 Amount XXXX They stated they would remove from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 belongs to someone else
Company: Contemporary Information Corp
State: AZ

Complaint narrative:
On XXXX the XXXX XXXX XXXX report attached is inaccurately and falsely alleging XXXX judgement evictions against my credibility without providing any notice for me to validate any debt as per XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( XXXX ) A Consumer, Natural Person has the right to Accuracy and fairness of credit/consumer reporting. I have never heard of this Consumer reporting agency so clearly they have never validated if these alleged evictions ( judgements ) are valid and not fraudulent or sustaining from Identity theft in which I am a victim of. In fact all consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681cXXXX XXXX of information resulting from Identity theft. I have never been in court regarding these allegations nor are they reporting on any other of my Consumer Reports therefore I demand to know the validity and whom the Original Creditors are and the Investigation results that led to this inaccurate, abusive and deceptive reporting. Pursuant to 15 USC 1692 ( g ) ( a ) as a consumer I have the right to obtain a Notice of debt ; contents and have the right to dispute its validity if I am not in-fact the original creditor, however XXXX Reports violated the federal law and willfully disregarded 15 USC 1692 ( g ) ( c ) which states that failure to respond especially without prior notice of this debt because its fraudulent does not constitute liability ; in-fact according to section ( c ) Admission of liability it reads The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I, therefore request that these Fraudulent Evictions that are effecting my credibility and creditworthiness as well as debilitating my ability to extend credit and receive housing makes XXXX reporting guilty of violating several Federal Laws and I am willing to prosecute to gain remedy for the injury and defamation of my character. Pursuant to 15USC1681 CXXXX all fraudulent reporting deriving from Identity theft should be immediately and permanently removed from all the Consumer Reporting Agencies .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX  charged me for something I dont know anything about.

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 2022-08-02 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: LA

Complaint narrative:
On Sunday XX/XX/XXXX, I received emails from Bank of America indicating there was a checking account application being reviewed and subsequently approved. These emails had my name, the type of checking account opened and the last 6 digits of the account number. 

I thought this was quite odd because I was previously a Bank of America customer with another product ( not checking/savings ) but had not been since XX/XX/XXXX, so my information would be in their system. 

I called first thing on Monday XX/XX/XXXX and when I was finally able to reach a representative in their online fraud department, they would not give me any details on the account. 
They would not even provide the routing number on this fraudulently opened account. 
All they would assure me is that it was closed. 
I could not find out if there were linked accounts to it or the address used to sign up.

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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for an XXXX credit card that is issued through Comenity Capital Bank. This is a credit card that can only be used for medical bills. I applied because I needed XXXX XXXXXXXX. I was approved for a {$8800.00} credit limit and was given XXXX options to pay off the debt. XXXX option was a 24 months payment plan where the card would be paid off in full in 24 months with no interest. The second option was for a longer term with lower monthly payments but I would have to pay interest. When I applied they website showed be a chart with the payment amounts that would be due for each plan. I chose the 24 month plan. I started making payments and for at least the first year and a half I paid more than the minimum amount due. The minimum payment each month was lower because I was paying more than the minimum so I thought I would be able to pay the loan off early. I received an email from them telling me I had to pay off the balance by XX/XX/2022 to avoid paying interest and the balance at that time was over {$3000.00}. My balance now is {$8100.00} which means I owe almost as much as the original loan amount after 2 years of payments. I agreed to their 24 month payment plan where they set the payment amounts which they said would pay the loan off in 24 months. They obviously lied to me and set the payments lower than what would pay off the loan on time. They did not tell me the loan would not be paid on time if I only paid the payments they set. I would have made bigger payments if I knew the loan would not be paid off in full on time. I didn't know this because they set the payments. They even compared the XXXX payment plans side by side showing me the 24 month plan with no interest vs. the longer payment plan with interest. My monthly payment went from {$130.00} in XXXX to {$280.00} in XXXX. I can not afford these payments now. This company obviously lied to me that the payment plan they gave my would pay the loan off on time with no interest owed. There is no way I should owe them interest when they lied to me about the payment amounts. They are obviously doing this to other people if they did it to me. How many people have been blindsided by this like I was?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
I sent a letter requesting the validity of debt to Fair Collections & Outsourcing regarding the account Fair Collections & Out XXXX on XX/XX/2022. 
Federal law requires that collection agencies respond promptly within 30 days. It has now been 36 days since this company has received my letter as failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). I am now requesting that you DELETE this item from my credit report immediately. Additionally, you failed to validate this debt at my request, which is a FDCPA violation, and you continued to report inaccurate information. I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2022-08-02 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: NJ

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

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 2022-08-02 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover bank account charge Account : XXXX credit card date opened : XX/XX/2019 balanced own : {$830.00} credit limit : XXXX I do not know about these XXXX account somebody use my information to do all of these! 
i call all the credit burreaus to explain to them the same thing they make me lock my credit file and everything cause i had nerver realy pay attention to my credit untill now i will highly appreciate you resolved these issues for me please cause i dont know these account petal credit card status : charge off Date was opened : XX/XX/2019 credit limit : {$1000.00} balanced own : {$1100.00} Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-02 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: Cascade Capital, LLC
State: TN

Complaint narrative:
I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA.

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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was never notified by ProCollect nor XXXX XXXX XXXXXXXX XXXX that an adverse action was taken against me. I found out about the adverse action upon checking my credit report. 
This debt should not be ok my credit file. I was a XXXX XXXX XXXX XXXX which legally entitled me to be removed from the lease. I reported this issue to the property manager at XXXX XXXX XXXX in XXXX of XXXX and was advised to provide my divorce decree. I handed her the document. 
Upon checking my credit report in XX/XX/XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and ProCollect several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted ProCollect concerning this issue was XX/XX/XXXX. 
I have police records reporting XXXX XXXX, the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
My ex husband, XXXX XXXX was living there without me during the time that this debt occurred. Additionally he changes the locks and only XXXX XXXX XXXX and XXXX XXXX had a copy of the key. I had no access to the property. This is noted in the police record from XXXX of 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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Credence resource management charged me for something I dont know anything about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I was a customer of TCF Bank prior to them being bought out by Huntington Bank. Huntington Bank turned out to have terrible customer service and my account became more trouble than I'd anticipated. I opened a checking and savings account with my employer, XXXX XXXX XXXX and went about transferring all of my auto pay creditors to my new XXXX XXXX  Checking account, and I changed my direct deposit to my XXXX XXXX, so that there was no monies being deposited to the Huntington Bank Checking or Savings. I called Huntington Bank, asking them to close all of my accounts with them. The Savings account and online access were shut down, immediately, but I kept having to transfer funds from XXXX XXXX, via wire transfer, to Huntington Bank, since I was receiving daily alerts that my account was overdrawn. When I called, on XX/XX/XXXX, I was told that the checking account was still accepting attempts from creditors that I hadn't reached yet, to provide my new banking information. I have contacted all of my creditors and given them my XXXX XXXX, banking information. Huntington Bank is insisting that I owe over {$200.00} in overdraft fees that were incurred after the checking account had been closed. The most recent contact that I've had with Huntington Bank took place, via phone, on XX/XX/2022.

Company response to consumer: Closed with monetary relief