vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I got a call on Sunday, XX/XX/XXXX from my bank. The person said that I was hacked and that a scammer sent over my via Zelle to themselves and that they would help me recover my funds back to myself. I " sent '' myself XXXX amounts, both for {$300.00}. After that phone call, I got another call from my bank and said there was unusual activity on my account. I told them I just spoke to someone from the bank and they had said that I didn't and there was no records in their system that I had just spoke to someone from the bank. It turns out that a scammer called me and trying to get me to believe that I was sending money that was taken back to myself. I called my bank ( XXXX XXXX ) and they said because it was process from Zelle that it was their responsibility and they could not give me back my funds. I contacted Zelle and they had said the same thing. It was through Zelle 's platform and that is why I am out {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
On XX/XX/2022 we were sold solar panels by a company called XXXX; we were told we needed to complete a loan application that same day which I did with GOODLEAP ( which we later found out was not true ). We later learned that XXXX sold us twice as much product as needed at about twice the cost of another solar company. I immediately cancelled the sale with XXXX on XX/XX/2022. I called Good Leap on XX/XX/2022 and also requested they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. They continue to REFUSE to cancel this loan application ( for over {$80000.00} ). Today I was told by a XXXX XXXX that it is still NOT CANCELLED and she has no intention of cancelling this loan application because they are HOPING I will change my mind. She literally told me " this doesn't hurt you in any way ''. It does hurt me ; they are holding me XXXX. I am not able to work with a different solar company or loan product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
WHEREAS I am in possession of a draft that purports to indemnify American Express ( " AE '' ), against prior claims of misrepresentation made by myself and certain of my affiliates. The draft is drawn on the EIN of XXXX XXXX XXXX XXXX ( " XXXX '' ), which is XXXX. The source of payment is limited to information provided by me. The draft contains an undertaking made by me under seal, as collateral to secure payment, containing a covenant that I will assume ( i ) that a " bank draft '' is considered as " cash '', ( ii ) that the definition of a " bank draft '' includes a payment order, a transmittal order, an informal dispute, and the like, ( iii ) that initiating a bank draft is reportable to the IRS, ( iv ) that privacy notices and privacy policies and arbitration procedures are agreements to elect to not be treated as a partnership under 26 USC 761 ( a ), ( v ) arbitration, mediation and informal dispute provisions may be used as a security procedure for purposes of giving value and to allow for delegation of authority to purchase, sell, and/or exchange tax deferred investment property, ( vi ) the recording of phone calls by a financial institution is for verification purposes, ( vii ) the purpose of and utility " bill '' and any other " bill '' is to help assist in the verification of identity, ( viii ) the purpose of any credit, whether it be a credit card or deposit account, is security, ( ix ) the purpose of ATM card present PIN transactions are to help provide security, ( x ) AE can obtain emergency credit from a XXXX XXXX XXXX XXXX XXXXhe Board of Governors of the XXXX XXXX XXXX , or both, or " sandbox '' with Plaid or something, and ( xi ) electronic and telephonic credit card applications are set up to be electronic funds transfers as opposed to payment orders in order to prevent consumers from giving nonmonetary value as actual value. The check states that the collateral is subject to arbitration and/or mediation. The check contains copyright claims and privacy claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email notification from XXXX XXXX regarding a credit card that is past due. I reviewed the information on my credit report. A credit card was opened on XX/XX/XXXX with a limit of {$300.00}. This account is past due for an amount of {$430.00}. This is identity theft. I did not apply for this card. The card is a XXXX XXXX. The creditor is Continental FIN CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Customer service XXXX Fraud line I spoke to someone in the fraud dept. I let them know I did not apply for this card and that this is identity theft. Information was documented. 

Today, XX/XX/XXXX at XXXX. I received a call from a collection agency representing this company trying to collect debt. I notified the rep that this is fraud. The rep was able to see in the system that yesterday XX/XX/XXXX someone called impersonating me and filling for a lost card. I asked them to please report this as identity theft. More information was taken and I was advised to file this complaint. The representative was able to confirm that an address in XXXX XXXX, Flordia is where the bill is being sent. I have never lived in XXXX XXXX, Flordia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Key Bank, XXXX to dispute the overdrawn balance on my account. A charge of {$79.00} from XXXX was charged to my account on XX/XX/XXXX. In addition, XXXX overdraft fees were applied to my account. Fact : I have made XXXX deposits since opening the account on XX/XX/XXXX {$10.00}, XX/XX/XXXX {$20.00}, XX/XX/XXXX {$87.00}, and XX/XX/XXXX {$20.00} ). The largest charge to the account was {$52.00} for a gift card. My complaint stems from the fact on XX/XX/XXXX, when the account went into the negative Key Bank continued to authorize charges. Instead of declining them when the checking account did not have sufficient funds, Key Bank approved the charges while assessing reoccurring overdraft fees. There was no account alert provided for the fraud charge. Currently, Key Bank is charging {$120.00} to substantiate the account from its negative status. I am disputing the amount due to the fact that Key Bank had no grounds to authorize and continue to pay out of an account that had insufficient funds. On XX/XX/XXXX a XXXX XXXX charge of {$2.00} was approved and on XX/XX/XXXX another charge of {$2.00} was approved in addition to the {$79.00} causing the accounts dilemma. The account went into the negative on XX/XX/XXXX and Key Bank continued to approve the XXXX XXXX charges totaling {$4.00}. Subsequently, adding overdraft and recurring overdraft fees to the account. On XX/XX/XXXX I deposited {$20.00} to cover the XXXX XXXX charges. There were no monies in the account to cover the fraudulent charge of {$79.00} which was posted on XX/XX/XXXX. I initially opened the joint account just in case my sister wanted to deposit her Social Security checks and required my assistance to monitor her spending. I have managed to keep the account active by putting in little funds and providing some activity. However, I feel the fault remains with Key Bank and their willingness to cause financial harm off the backs of the struggling consumer during these unprecedented times. I am seeking to have the {$120.00} waived by the institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 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:
I have written several letters and filed disputes with Experian and XXXX about a collection. XXXX XXXXXXXX is saying I owe a debt for a medical collection. I have requested the company XXXX XXXX to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with 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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted an appeal for unauthorized transactions on my account. It was rejected twice because since the card was chipped they assume I authorize the charges. I called them on or about XX/XX/XXXX because I was on military orders and wasnt aware these transactions were being made during XX/XX/16 and there after. When I called obviously I had to open my online banking to tell them each and every transaction disputed but because of that they said the claim is to be closed since they saw I viewed my account numerous times. I submitted police report and called some of the places card was used but no help. I cant press charges on person who used my card. It is clear on the charges it was not me because I provided military duty orders that was at a location hours away from where my card was being used. They did reimburse some charges like air bnb, XXXX XXXX, XXXX but everything else they did not even if theyre multiple of the same amount from the same place. I feel a proper investigation would have businesses provide camera footage or even an address for delivery from places like XXXX. Obviously for protection they will not release an address or camera to me but that is why I also submitted police report. It also takes forever to get someone to answer calls.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-18 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: SC

Complaint narrative:
On XX/XX/XXXX, I submitted to Experian two letters requesting validation of a debt with XXXX XXXX ( XXXX ). I specified my request for validation with proof of original debt and ink signatures. Experian claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from XXXX stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and one of the accounts on my credit file is no longer listed. 

XXXX is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. Experian has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.

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 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
I went into the store on XX/XX/XXXX to sign the papers to obtain a personal loan. I was told by the rep that they include certain products with every loan and was not told it was an additional cost but rather included with the loan. Upon reviewing my paperwork later, I determined this was false and a blatant violation of the XXXX. I contacted the store immediately and asked to cancel all products associated with the loan. I was told I was unable to cancel the personal property insurance despite the contract stating otherwise and despite the fact that my renters insurance covers my personal property. The next day ( today, XX/XX/XXXX ) I received a survey in my email from their corporate office. The very last question was in regards to their personal property insurance and asked if Id been informed that my homeowners insurance or renters insurance was sufficient. Not only had I not been informed it was, I was again blatantly lied to and told that it was not sufficient without the branch even reviewing my renters insurance policy. This store misled myself and likely countless others multiple times to pad their own pockets- as I understand it, the employees at the branch receive a commission for the products that they sell. If they are doing this by telling customers its included and not explaining that its optional, they are violating the law, causing financial hardship for many, and dont seem to mind continuously lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXXXXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so XXXX. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation