vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, XXXXXXXX XXXX came to our brand new home and sold us solar panels. XXXX XXXX went through GoodLeap to finance the solar panels. My spouse and I been paying {$180.00} plus interest, along with paying our electric bill with XXXX averaging {$400.00} a month to only find out that XXXX XXXX XXXX XXXX  no longer exist as of XXXX of XXXX and have closed their door. We never have utilized the solar panel system, or had permission to operate advised by XXXX because inspections failed. We contacted GoodLeap to cancel the loan, which they said no to, but we do have have the service and they advised we will also pay accrued interest if we stop payments on a service that we never used. The service has been breached and GoodLeap advised they were going to have a contractor out a month ago, but they did not follow through, but threatened to send us to a collection agency if we stop the auto draft payments from coming out of our bank account on the XXXX  of each month, but we received the service for. We want to cancel this loan with Good Leap and get reimbursed for our payments plus the interest we paid on a service we never received and not to be financially penalized. This account originated between XXXX XXXX XXXX XXXX XXXX, GoodLeap, my spouse and I terms, but due rot XXXX XXXX XXXX XXXX breached the agreement and terms, and we never received the service we are still paying on is just been a nightmare for my family and I.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by Capital One Bank for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX we had 4 charges to XXXX for {$100.00} each then on XX/XX/XXXX we had 2 more charges of {$100.00} each to XXXX for {$100.00} each. We immediately reported it to Fortiva. On XX/XX/XXXX they sent us a new replacement card, and on XX/XX/XXXX they sent us a Fraudulent Charge Affidavit that we did not receive until XX/XX/XXXX in the USPS. I called twice to check on when to see if it was coming and they said it was to take 10 business days. It came on the 11th business day. It said it had to be filed within 14 days of the original date of the letter. It could be filed by fax or email but they could not send it to us by Fax or email to sign. Then after we filed it they acknowledged it they sent us a letter saying since we filed the fraudulent charges our account had been canceled. We had the card for over a year and never missed a payment. In going through our statements we also found we had been charged Credit Protection fees totaling {$52.00} for the period we had the card from XX/XX/XXXX to XX/XX/XXXX. It was optional insurance that we never signed up for but in the fine print they automatically signed me up for it and it was up to me to get in touch and decline it or they would charge me for it which they did. This is surely a scam to cower me into just paying the fraud to avoid a black mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX the bank said I withdrew {$2000.00} from my bank but it was withdrawn from another persons bank. On XX/XX/XXXX they charged me {$2000.00} to my bank but when I called the bank and asked what was that for they had no clue. I went to the bank thinking it was a mistake from another company and then they tell me it was mistake in the system and that they called me but I was just at the bank and withdrew money and nobody told me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, my car was broke into and took my wife 's ( XXXX XXXX XXXX wallet that had all her credit cards. I immediately called American Express customer service to report that the card was stolen and to cancel it. While I was on the phone with Amex rep, my wife 's stolen card was fraudulently used by someone in XXXX and charged a total of {$260.00}. The Amex rep told me that I should not worry about it as long as I filed a dispute on that transaction. While I had the rep on the phone, I filed the dispute with him, cancelled the card and requested a new one. On XX/XX/XXXX, I received a letter from Amex stating that I am responsible for the amount in question. It was not the resolution I was expecting to get because it was very clear that we did not make that transaction as I reported the card stolen before the charge took place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/2023, visited XXXX, VA branch and requested account opening for small business, sole proprietor checking account, in response to a promotional advertisement for {$500.00} opening account bonus. Upon discussing with the Branch Manager and an associate, they agreed to open account and informed me of a special interest rate. Upon disclosure of the {$500.00} promotion, the demeanor of representatives changed and they informed me that a promo code was needed. After providing the terms of the promotion, attached with complaint, and pointing out that the fine print eligibility did not contain such language, they continued to argue with me about the bonus not being paid once terms were met. Regardless, I informed the representatives that I would like to proceed, and that if bonus failed to be paid after all terms were met, I would escalate at that time. The associate then began the account opening process, obtaining all required information to complete the account application. Upon nearing completion, Branch Manager, came back to advise that I would not be paid the bonus. Upon asking for this statement in writing, and advising that it an illegal practice to advertise terms and not honor them, Branch Manager, terminated the application process and I advised that I would file a complaint with CFPB. This complaint serves as that promise and to outline the illegal activity this financial institution is undertaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have tried reaching out to the company, XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX This company has placed erroneous information on my credit report. My identity was stolen and was used to apply for a credit card. If you would take a closer look at my credit history, I have impeccable credit, no attempt by creditors to collect, no late payments or defaults of any kind and have never defaulted on a loan, so why should I do so now? Even though the company closed the account, Remarks CLOSED BY CREDIT GRANTOR. My credit report still shows that there is a balance of {$8900.00} and I don't want this showing on my credit report. This company should not even be on credit report at all. 

Here are some additional questions that I feel should be investigated : Does the company show where they mailed the credit card to, was it to my home address or to an email address? Was it a credit card or was it an e-card? Do they show when and where purchases were made by me, the real XXXX XXXX? Did they ever send me a statement of any sort, or do they have any other proof that I actually received the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX ACCOUNT # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
hello, I've had the following account since XXXX I'm disappointed in the treatment I've received- during my time of hardship. Not only do I believe you have violated my consumer right but I have lost faith in the ability of your company to protect me as your customer. 

On the XXXX of XXXX my account was closed per the agent I spoke to due to the past due status. while I did know that the account was pass due I had every intention on catching complete back up, once I recover financial from the death in my family. I had no idea and wasn't aware of the severity of my tardiness. From my knowledge The last attempted to make a payment before closure was online where i update the account number removing the previous XXXX bank and adding a XXXX XXXXXXXX account with sufficient funds to cover the amount I wanted to pay. 

However, It seem the Amex system online didn't register these changes and didn't process my payment through the correct account " XXXX XXXX ''. This would have prevented my account form going further pass due and leading to the closure. 

which has lead me to today where I made a payment towards the account to completely catch up thank god! but received unsettling service form your rep. who would not provide me any kind of company id to better identify him just his first name XXXX, He tried to tell me the systems where sown and to call back in 2 hours when i ask to speak to a supervisor. He came back attempted to resolve my issue. then when i assisted to get a supervisor and they would call me back in 30 min but i never received a call. 

I am requesting you to reinstate my account complete with the Authorized users and also in a effort of good faith a credit to the account for all retuned payment fees and late fees on the account based on the service I've received i feel this is just. 

look forward to hearing form you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This company first of all charged me XXXX dollars to get my credit score then said had to send to me ok fine put me in a electronic loop to get into my transunion account I paid everything off and they take XXXX points ... everyone else gave points I call them 10 mins later I have XXXX points removed. Something doesn't add up. Thank you for your time

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
This debt is from about 10 years ago. Jefferson Capital is not being accurate with the date the account was opened. XXXX XXXX has already removed the original account from my credit report and Jefferson Capital is misrepresenting dates and amounts that should no longer be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Set up 2 external bank transfers on XX/XX/XXXX through Marcus. 

1 ) {$500.00} to XXXX XXXXXXXX XXXX XXXX ) {$5000.00} to XXXX XXXX Marcus called me on XX/XX/XXXX to confirm transactions. I confirmed the transaction. Marcus then refused to process and restricted outgoing funds ( my money ) to 2 accounts they deemed acceptable. 

This is completely inexcusable. The bank needs to honor my fund requests when directed to do so. It's my money, not theirs.

I've also lost 2 days of interest as Marcus hasn't returned the funds to my account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am submitting to your attention a complaint that involves alleged private student loans that Sallie Mae/Navient and XXXX XXXX  claim existed. Both SallieMae/Navient and XXXX XXXX  are claiming these alleged private loans existed and have been collecting on these loans since allegations began. XXXX now holds the alleged private loans formerly held by SallieMae/Navient XXXX I have included attachments that reflect supportive documentation that such alleged private student loans may have been fraudulently created and/or misclassified. These alleged private loans were initially classified as federal student loans and were re-classified as private loans with different ID and account numbers. 

Numerous phone calls were made to SallieMae/Navient and XXXX XXXX  with requests to justify the existence of the alleged two private student loans to no avail. XXXX XXXX attempted to justify collecting on a duplicate set of these alleged private loans. I requested specific documents from both Navient and XXXX XXXX  that would help support the allegations of private student loans/disbursement. A review of the information received did not support the allegations that there were private student loans nor actual proof of disbursement. 

Contesting repeatedly to SallieMae/Navient and XXXX XXXX  that I felt the alleged private loans were not valid loans and that these alleged loans may have been intentionally/unintentionally misclassified, I thoroughly searched my own records, made several telephone calls to the University, Department of Education, and Federal Student Aid Office seeking proof . The University confirmed there were never any private loans disbursements- only federal loans supported by information submitted and that they would have to approve any private loan requests/disbursements. There are no records of any alleged private student loans with supportive documentation in my files nor the files of those queried. SallieMae/Navient and XXXX are the only ones alleging such loans existed and information submitted is both questionable and does not support their allegations. 

The following attachments were based on information derived from the Department of Education and from SallieMae 's records.Reflected in attachment # 1 is documentation which shows similar dates/amounts of " federal student loans '' that SallieMae/Navient and XXXX XXXX  claimed were private student loans. Attachment # 2 shows federal loans, not disbursed, around timeframe reflected in their document submissions to me. Finally, from SallieMae 's records, attachments # 3 & 4 clearly reflect that the alleged private loans were originally classified as " Federal Plus Loans. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IL

Complaint narrative:
Thank you for responding with the payment history information about account ending in XXXX in your confirmation letter of payment history XXXX XXXX XXXX record states that the last payment credited/paid to account is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXXXXXX XXXX is reporting to Experian credit reporting agency that there was three additional payments made on account ending in XXXX for the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 which NO payment was ever been made but in fact is being reported! Reporting XX/XX/2017 as last payment made on account XXXX which is not accurate! As stated in your letter account XXXX charged off on XX/XX/2017 yet you report to Experian the account was only 60days late on XX/XX/2017 when in fact the account had charged off already! I have attached your response letter along with Experian credit report as I have done in this past dispute on XXXX XXXX report # XXXX so XXXX XXXX XXXX could be aware of what was actually being reported yet XXXX again certified to Experian it is reporting accurate when in fact it has not for the pass 5yr 8mo! SO THAT I'M CLEAR I'm not disputing the account status or account balance please refrain for using such response, my concern is only the payment history that is being reported inaccurately to Experian! Based on the payment history information you responded with on XXXX XXXX it doesn't match! if you are having an issue reading the payment history report from Experian it is based on year and month account payment reporting. So if you go to year and month you can see what actual is being reported that it does not match you ( XXXX ) record! XXXX has certified to Experian it was reporting accurate information if that is not true this account needs to be deleted XXXX had numerous chance to make correction but filed to do so deleting is required!

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 2023-03-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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.

Company response to consumer: Closed with explanation