vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
We purchased a solar system for our home XXXX of 2021 from XXXX XXXX XXXX XXXX XXXX Upon installation we had problems, the system never worked. I made phone calls and inquired and they assured me everything should be fine and it may take a few months to see a difference. I waited patiently for about three months and still nothing, I tried calling again and they said they were waiting on approval to operate which took another three of four months. Approval was granted and still my bill never decreased. I called again inquiring and once again they told me everything was working fine. This charade continued happening until we received a letter stating the company filed for XXXX XXXX XXXX. We have never had a working system and have been paying on this system for over a year without and product that actually works. I have tried contacting XXXX  and we are on a XXXX people waiting list. I have contacted contractors and no one will touch our system, so I am perplexed and do not know what steps to take. We are still making payments as we do not want our credit to plunge. We have no problem paying the payment, but would super like to have a functional system. 
our loan is for XXXX dollars and we were supposed to get XXXX, XXXX of that back which never happened with taxes.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
on XX/XX/25 someone using my information in XXXXXXXX XXXX tried to open a credit account with Community/Ultra credit card XXXX 
a XXXX pull was done with XXXX credit bureau and was unsuccessful. 
We have notified each credit reporting agency and desire the hard pull be taken off as it is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX ,2022 I called Huntington bank to dispute multiple charges totaling {$5800.00} from a company called XXXX. When I called I explained that I reached out to that company and when they told me the IP address and house I stated that was not mine. They lady I spoke with at the gaming commission said to call your bank and do a charge back. When I called Huntington the lady that took the report marked my card lost when that was not stated to her I explain my phone was lost/stolen and I have a police report and I was in NC XXXX XXXX XXXX And I could of not made these charges being outside of Michigan nor would I let anyone use my information to do this. XX/XX/XXXX I called Huntington case was closed due to the lady stating card was stolen I said I never said that to her I went to the bank the guy took the card from me at Huntington and order a new card. He then reopen the claim. Now I am told since it was reopen I have to wait for anything to come back to me from the merchant. Cause there rep wrote the claim up wrong. I have explain to Huntington it was not only there card that was used had other cards used beside them. That I was not in the state of Michigan. I never get a call from there fraud team just always getting the run around. They never sent out no forms to be filled out. I sent them the police report. I feel since the first dispute was not written up right I am be held for that. And this wrong. On XX/XX/XXXX I called and spoke with a supervisor was told it was just sitting there no notes and has not been looked at. She said she put in for a call back for Friday the day after XXXX and no call from them. I called today XX/XX/29 still no one has looked at it. I also explained to a supervisor name XXXX my phone does have lock but was set up to lock after XXXX mins. They are not looking at everything and its wrong. I even called the company XXXX uses XXXX and they told me they try there best to stay on top of hackers and catch all VPN but it does not always happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: VA

Complaint narrative:
On Saturday XXXX, I received a Netspend XXXX XXXX pre-paid XXXX This card includes an account and a mailer to sign up for Direct Deposit, which included a routing number and an account number. When I called the company on XXXX, their phone system lead me in circles. When I looked on their website, they did not list any phone numbers that would actually route me to a person. The phone system wanted me to activate the card before anyone would help me. So, I routed through the phone system to report a lost or stolen card before I could speak to a person. When I did speak to a person, they wanted me to activate this card, even though I did not request it. I had to request to speak to a supervisor to find out who requested the card account on my behalf. The supervisor said that it was a promotional item, and they just send these cards to randomly selected people. I explained that this was deceptive marketing, and it was fraudulent because they sent out a completely encoded XXXX with my name, and active magnetic strip. I had to request the company cancel this card as well as the account, to remove me from all future mailing, to not give or sell my information to anyone, and to remove my information from their database. This is very deceptive and could defraud many people.

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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XX/XX/2022 i need a personal loan to take care of some personal needs that i had need to take care of. i got on XXXX XXXX to because the always suggest companies to get personal loans from. So, One Main was one of them i applied and got approved. They called me and told me the only way i can get the loan is using my car for collateral i did and Reget it. I recently went through a hardship due to the hurricane. I called the local to let them know I'm out of work and can I apply for a deferment until i get back on my feet. they applied on they told me i have to call to get other for the next month. I called the customer service number they informed me that to get a deferment i will have to pay money. That sound crazy to me because this isn't my 1st auto loan and when you get a deferment you don't pay. i been call at least twice a week this month so I can speak to a supervise to explain my hardship. so today is XX/XX/2022 I called XXXX this morning to speak to a supervisor they informed there no supervisor to speak to she gave me a number for customer complaint. That number doesn't address my issues I call back at XXXX they rep transferred me to a supervise and i told her my situation. She explains to me the same customer policy that i would have to make half of the payment to get a deferment. I told her if had the money I wouldn't need a deferment. I feel like this isn't right they supposed to have a program that helps customer in hardships. I'm making my monthly payment to you faithfully and there way you can help the customer. you rather put me further in debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
According to 15 U.S.C 602 a I have the right to privacy.

15. U.S.C section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written consent and According to the Fair Credit Act anything furnished on my account must be 100 % accurate.. 
The information on my credit account does not match on all credit companies.. and the balance that was owed was less that what is shown so... 

I would like for the companys contract to be furnished with * my signature * Date opened *interest rate. *credit insurance I also want the contract showing this company has a right to collect this debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
My issue is very simple, A bitcoin deposit was made to the Coinbase XXXX XXXX on XX/XX/2017 - XXXXXXXX XXXX  EST. The bitcoin was received and can easily be confirmed on the bitcoin XXXX XXXX XXXX XXXX XXXX The platform has had the transaction in a " pending '' state for years now ( see screenshot ) and will not credit me the funds or respond to any emails or tweets. My last phone call to the company earlier this year the customer service rep said he will create a new ticket, yet I have not heard back. I have been a customer for years and have used the platform successfully many times since this transaction so it seems to just be a bug that they will not address. The issue is I have lost {$1000.00} 's of dollars due to the price trending downard this past year as the funds have been held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I had to get me a car because I was need of transportation like anyone else with a job! I had about {$400.00} left to my name & went to XXXX XXXX because I could do a low down payment! After test driving multiple cars without a/c & a high mileage, I found one that had a/c & was around XXXX XXXX miles. I read through the paperwork & signed. A couple weeks/ months later I go to make an extra payment on my account, so I could start paying on the principal no problem! Mid way through my payments, I had to call & be told that my payments are now going toward only the interest because my early payments caught up. Maybe XXXX XXXX but I need someone to explain how thats possible. Ive made little payments here & there, and have even made an actual auto payment early, somehow that all caught up to me. I went to check my account this month & my loan hasnt moved anywhere so it seems like that little payments didnt help at all. I cant help but to think Im being scammed or taken advantage of! ( I know getting any loan is a guaranteed scam, but the communication during the whole process is XXXX awful & confusing )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
{$200.00} was fraudulent send via XXXX and {$300.00} was fraudulent send via 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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: OH

Complaint narrative:
on XX/XX/22 I received a letter from a Debt Collection law firm in Florida however the Law Firm page was hiding the real Law firm and hired someone not registered in Ohio to act as a consultant lawyer and have tried to raise the money in debt owed from {$300.00} to like {$800.00} and their website doesn't feel safe or secure if this is happening and has tried to harass me

Company response to consumer: Untimely response
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Lighthouse Finance Solutions LLC
State: NY

Complaint narrative:
I trusted a servicing company XXXX XXXX to handle my debts and was over charged and taken advantage of by hundreds of dollars and now I'm been sued by a attny collection company in XXXX XXXX NY for a credit card that was only XXXX limit. My check is being garnished. I Pay lighthouse XXXX a month to fix XXXX and now the refuse to breach contract nor put a XXXX on the line to negotiate pmt. Please help me I'm taking adjust therapy for XXXX also medication for XXXX  there taking my money a d refuse to end contract. Cc are charged off from last year and I was in good standing before lighthouse there number XXXX XXXX XXXX they took XXXX last yr in XXXX and XXXX monthly in add to XXXX. Biwk ly then XXXX biwkly. Attny that garnished my check XXXX XXXX XXXX has proof there was no arrangement set to make pmts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of 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. This is the 3rd time Im submitting a complaint please reply within 14 days.

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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Person ( XXXX ) emptied our checking account ( $ XXXX ) using a XXXX bank transfer. If looks like all they needed was our account and routing numbers, which are printed on our checks, and the approximate money in the checking account at that time. If we fall to see this transaction in the 24 hour pending period, we would have no money. 
Need help. Please text 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear, Experian there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts XXXX XXXX XXXX  ( Opened XXXX XXXX XXXX ( Opened XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  ( opened XXXX ) XXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX ) HARD INQUIRIES : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) 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 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the XXXX data breach, I look foward to your response, Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of 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. This is the 3rd time Im submitting a complaint please reply within 14 days.

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 2022-11-29 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: PA

Complaint narrative:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of 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. This is the 3rd time Im submitting a complaint please reply within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc
State: GA

Complaint narrative:
Follow up to CFPB complaint # XXXX. Documents requested from complaint # XXXX are attached. This account is not mine. 

I have never lived in South Carolina. 

In accordance with the fair credit reporting act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an alert from my Credit card company that a new inquiry was made. After looking it up I discovered that a Credit Card inquiry had come in, a hard inquiry which was not initiated by me. It was a fraudulent attempt to use my credit. After a great deal of effort I was able to stop the card and the bank XXXX XXXX XXXX XXXXXXXX XXXX said the card was stopped and that the hard inquiry would drop off after 2-3 months. This occurred on XX/XX/2022. Nothing has been removed on this inquiry and still appears on my Experian 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