vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: Solar Mosaic LLC
State: AL

Complaint narrative:
I tried to get the system fixed first they XXXX XXXX. Well they filled bankruptcy an when it is business. So I'm dealing with the loan company. Went thru some hard times an tried to get a hardship loan. Sent them all the paperwork they requested over 8 months ago an still nothing. They continue to XXXX compound interest in my loan. I'll NEVER get caught up. I was also told that the system could be returned an that I would get back payments returned. All I want is this faulty thing gone an my credit repaired. No one will help me find the company that is taking over for XXXX. I can't afford to pay someone to remove them. I'm on XXXX an my check only goes so far. I don't even live in the house it's on ... .. God Bless!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Contacted XXXX that USPS marked the parcel as delivered XX/XX/ but it was not received. USPS tracking states : Your item was delivered to an individual at the address at XXXXXXXX XXXX on XX/XX/ in XXXX, PA XXXX. The item was signed for by XXXX XXXX. I am not XXXX XXXX. I dont know anyone by that name. I am the only person who resides at this address. XXXX rejected my claim because the tracking shows delivered. Contacted via XXXX and Goldman Sachs, both rejected. I did not sign for this package nor did I make contact with the courier that day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally file a complaint regarding a dispute with Experian, one of the credit reporting agencies, concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00}

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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal dispute regarding incorrect information on my credit report, which I first brought to the attention of Equifax on XXXX. To date, I have not received any response from Equifax regarding this matter. The following are the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name is XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Post Lake Lending Inc.
State: MI

Complaint narrative:
I attempted to call the number they provided to pay my loan early and the options they give you in the phone prompts hang up in you instead of allowing you to talk to anyone or make a payment. Forcing me to stay in a longer term for the loan and fraudulently force me to pay more interest on the loan. Every prompt option hangs up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been living in the XXXX for the past XXXX weeks and I aim to spend another XXXX here. rying I have been trying to withdraw euros with my PNC virtual wallet debit card, but I find the atm fees to be prohibitively expensive ( usually anywhere from XXXX euros ). I haven't authorized any charges to my debit card from atms. I have not checked my balance on an atm or withdrawn any money from an atm and refused all fees when attempting to withdraw euros. After checking a few atms over the past week I have noticed XXXX {$5.00} charges from my bank labeled " INTL Balance Inquiry ''. Both are dated XX/XX/2023. I hadn't authorized those fees, much less checked my balance on an atm ( why bother when I can do it on my phone for free ). 

I can't dispute the charges until after they post on my account. I am almost certain they will refuse to refund me, but I will still file a dispute with PNC. I am very sure this anti-consumer practice is very very very widespread though, considering how profitable it must be for the banks. It is like going to the store, asking how much an item is, and them charging you {$5.00} to ask the question. There was no indication on the atms I was approving the fees, to make no mention of the fact that I didn't check my balance on them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2023-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thursday, XX/XX/2023 I received multiple phone calls from my local Chase bank branch, I picked up and the guy told me that someone was trying to use my debit card in XXXX at a XXXX XXXX, they were trying to purchase a {$300.00} television. He stated that he was able to block the transaction, that he needed me to confirm my ; Name, date of birth and my debit card PIN. I gave him that information because I believed it was the bank and this was the first time someone tried to use my debit card. He called me from the actual phone number the bank uses on XXXX maps. He then told me to dispose of my card, that he would send me a new one that would arrive in XXXX business days but it never did. I went on about my day after and the following day I get a notification from the chase app saying I had less than {$500.00} in my account. I log in and see I'm only left with {$80.00} He took out the money in amounts of {$80.00}, 10 times and {$60.00} 1 time The total amount that was taken out of my account was {$860.00}.

I called my local Chase branch and informed them what had happened, and I went in person because I still wasn't sure what was going on and didn't trust the number any more. I went in and they helped me file a claim, but they did not include all the money that was stolen from my account into the claim.

So I had to call another 2 times to put the other amounts because I really need my money, and I still do.

The first claim was for {$380.00} The second claim was for {$400.00} The third claim was for {$80.00} Just recently my bank granted me with credit while they conducted an investigation, but I feel like it was their fault for not including all the money that was stolen in 1 claim. 
On XX/XX/2023 The bank took back {$380.00} of my credit back because the investigators did not find enough evidence to prove this was actual fraud. 
Today, XX/XX/2023 I get a statement saying that the {$400.00} credited was not determined as fraud and will be staying in my account. 
The {$860.00} that was taken from my account was taken all within 2 days from XX/XX/XXXX through XX/XX/XXXX of 2023. 
So I do not know what they decided that half was actual fraud and the other half was not, if it was all literally taken the same way. 
I've filed a police report, because that is what the bank asked me to do if I still felt like I needed to do something because they can't because they're investigators closed the claim. 
I have a my baby about to be born by the end of this month and I really need all my money, my wife isn't working and this really affected us. 
I've attached the phone calls I received the day the scam started and a a notification saying that the {$400.00} claim credit that I received will be staying in my account. They have not sent me the statement of the {$380.00} that made them decide it was not fraud. 
And still haven't received any news on my {$80.00} claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXX. 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports 30,60,90, 120 days late. I have repeatedly filed dispute with XXXX and with TU, but XXXX still reports wrong amount and late payments.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Called Chase to close checking account on XX/XX/23. got a secure message on XX/XX/23 stated the account was in the process of closing. I'm aware that if the fund is grater than {$1500.00} It'd take longer to process. today is XX/XX/23, almost two months, still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with non-monetary relief