vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Sent to Goodleap CoXXXX 
XXXX  Complaint ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- My name is XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXXXXXX Veteran and I receive Social Security I had Solar Panels installed by XXXX XXXX XXXX ( XXXX ) They assigned me to GoodLeap Financial Co. 
My original Contract amount to GoodLeap was {$58.00} per month. 
Now I'm being told I have to pay a new rate without my consent : Due Date : XX/XX/2023 {$79.00} I could not find this new rate anywhere in my contract. 
I can't afford to pay this amount because of fixed income. 
Can they come to my home and remove the panels? 
I read on line that this is not a good company but I didn't have a choice because they said they were assigned by XXXX XXXX. 

Some one suggested I should file bankruptcy about this loan. 
Please let me know if this is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I closed a savings account at PNC bank. I asked for closing account disclosures. I was told PNC Bank does not offer account closing paperwork by two employees. I then called a week later and asked the branch banker that closed my account for my account closing disclosures and told they would be mailed to me. It is over a week now and no closing disclosure paperwork. UMM Excuse Me I worked at PNC Bank for 14 months there is closing account disclosure paperwork. I was told by law I am to give to all customers even if they do not want them, I have to offer to give them to the customers. This is a violation and just lazy employees. I Want My Paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

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 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX Account # : 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 2023-08-22 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: TX

Complaint narrative:
I was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX  Account # : 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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XXXX, I couldn't get into my account ( venmo ) the phone number had been changed. When getting ahold of an agent, I tried to change my number explained I didn't recognize the number but I could not, I only had a voip number. After about 2 weeks and a couple other numbers I still wasn't able to change it. I noticed a few instantant transfers, to a card I don't recognize. Made a dispute explained how they left my account compromised due to someone's number being on my account. I won the dispute, they asked me to verify my info, remove remembered devices which there were several, change password, send in ID with selfie, and my account would be restored next day. The next day I get a email saying my account has been deactivated, and frozen 180 days. After winning the dispute and telling me it would be available the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX credit card payment was sent from my credit union with the incorrect credit card account information. Bank of America was unable to locate the payment and after almost 1 month returned the payment to my credit union as being unable to be applied. I immediately resent the payment with the correct account information ( note : this is even before my credit union credited the money back to my personal account ). 

Bank of America did credit back the late payment fee and some of the interest, however they did not credit back XXXX interest in the amount of {$20.00}. I have spoken to at least 5 different people regarding the issue and they say there system is not able to credit the {$20.00} back to my account and there is nothing that can be done. I have asked to speak to supervisor and have been told none are available, one stated she did not have the ability to credit the charges, I filed an internal BofA compliant and when I followed up was told that they have no record of a compliant being logged. 

It is a point of principle that I am fighting this charge. I paid my credit card statement on time but the money was not applied to my account ( but BofA had my money all this time ) yet they still charge my {$20.00} in interest since they can not get their system to reverse the charge. 

I have asked for supervisors to call be back but none have. I would like your assistance to get this matter resolved immediately. As trivial as this sounds, it is indicative of the way Big Business deals with the small individual... I need your help to get this resolved. 

Thank you. Please do not hesitate to contact me for further details.

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 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
The alleged Trustee is threatening us with foreclosure but has still not provided the requested information regarding the note. We sent him the following QWR : XXXX XXXX XXXX Supervising Attorney Aldridge | Pite, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Main Office : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Direct Fax : ( XXXX ) XXXX XXXX www.aldridgepite.com Dear XXXX XXXX : My Family is contacting you directly because you and/or your company XXXX are claiming to be the Trustee of the DOT without providing us any evidence and we are attempting to avoid filing a lawsuit.

As you know we doubt you may or may not have the original note, but that is not what is being disputed. 

XXXX XXXX  paid value for the debt and was never named to the Note, as of XX/XX/2022. 

Out of all of the Notes exhibited into the court records, the Note filed into the BK court had an incomplete stamping which is being called a blank indorsement in which that you are claiming possession of the Note. 

Any one can claim possession of the Note at this point, however, that does not mean that anyone has acquired rights of enforcement. 

In fact, the only statute in which one would acquire rights of enforcement is Cal. Com. Code 3203. 

The Payment Stream ( The Debt ) is owned by the Guaranteed XXXX Pass-Through Certificates XXXX XXXX XXXXXXXX XXXX XXXX, and no one has shown that they have paid the trust the full value to take the debt out of the trust. 
Until that happens, the debt still lies with that trust. 

Someone may show up with the Note, however that does not prove that they have paid the full value for the Note. 

Where is the sale and purchase agreement from XXXX XXXX to whom ever purchased the debt out of the trust? 

There is no evidence. As you are aware the CFPB and FBI is being copied on this email and that is why we are asking your to clear this up now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ ( XXXX ) XXXX ] [ XXXX ] [ XX/XX/XXXX  ] I am writing to dispute the following unauthorized inquiries on my credit report : Inquiry Date : [ Inquiry date XX/XX/2023 ] Inquiry Type : [ Type of inquiry, such as hard or soft ] Creditor Name : [ XXXX XXXX ] XXXX XXXX Inquiry date XX/XX/2023 I have never applied for credit with this creditor, and I do not authorize them to make inquiries on my credit report. I believe that these inquiries are unauthorized and should be removed from my credit report. 

I have attached a copy of my credit report with the disputed inquiries highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 

I would appreciate it if you would investigate this matter and remove the unauthorized inquiries from my credit report. I am requesting that this be done within 30 days of the date of this letter. 

If I do not hear from you within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 


Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, TRANSUNION, and XXXX multiple times to reinvestigate ( XXXX ) XXXX XXXX ( Transunion ) XXXX XXXX  XXXX. 
In todays case XXXX  XX/XX/2023 the inaccurate information between TRANSUNION XXXX XXXX  XXXX and XXXX XXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate.

Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-08-22 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 NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, XXXX, and EQUIFAX multiple times to reinvestigate ( Equifax ) XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX. 
In todays case Monday XX/XX/2023 the inaccurate information between XXXX XXXX XXXX  XXXX and EQUIFAX XXXXXXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate.

Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX and 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 2023-08-22 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-22 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-08-22 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX 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 2023-08-22 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX XXXX and XXXX 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