vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Service Finance released funds to a vendor without my consent knowing I did not receive the product ( hurricane sliding doors ) They paid a vendor XXXX XXXX XXXX XXXX XXXXXXXX ) {$27000.00}. I still do not have the product but Service Finance has sent me to collections. I have made multiple attempts to seek resolution. Service Finance has now closed the account and called the debt a charge off. This issue has been ongoing since XX/XX/2022. I am being expected to pay off a debt of {$27000.00} for a product I did not receive. 
I believe Service Finance relies on the business of XXXX XXXX XXXX  XXXX and has ignored my requests for assistance in resolving this matter. I believe they knowingly paid XXXX XXXX XXXX  XXXX despite my active dispute and claim that I did not receive the doors. 
The only calls I have received from Service Finance were to remind me that I was expected to make a payment. As I have stated on multiple calls, I never received my doors from XXXX XXXX XXXX XXXXXXXX. Despite providing those details to Service Finance, the funds were paid to XXXX  without proof of product delivery in XX/XX/2022. This was after supposed delivery in XXXX of XXXX  and repeated calls to Service Finance instructing them not to release the funds. XXXX XXXX XXXX XXXX ignored my calls, demand letters from an attorney, emails. 
XXXX needs to refund Service Finance. I will not pay for doors I never received, Calls I receive from Service Finance are either answered or called back. I speak with every agent and share that I have a complaint under review at Service Finance. There are calls that I miss or can not answer however, it is egregiously false to suggest I do not reply or respond. I have call records to show that to be false. The emails I receive are from a " do not reply '' email. 
I have never received a call from XXXX XXXX XXXX  XXXX. XXXX stated that I refused to speak with the contractor and my complaint file was closed. That is false. XXXX has not contacted me. 
As attached in my original complaint, I filed a complaint with the Florida Professional Board.

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 2023-03-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED 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 explanation
Consumer complaint received 2023-03-17 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint without any third party influence or agency. Please see attached documents as it contains my full complaint and demands. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This problem might not get fixed, but at least I documented the issue. I already filed a complaint because for some reason, Apple would not process my application so that I could get a card. It took me submitting an application like 59 times just to get them to run my credit. I finally was able to get the card, once they ran my credit and have used it for well over a year. Sometimes less, because of other circumstances. I asked for a credit limit increase, and have been denied countless of times even though the info that they send me stating why indicates a score of 790-810. I was told in XXXX to use the card regularly for a month because if we dont automatically granXXXX an increase after 6-months, we usually do so after a year and because I didnt start using the card right away. I did so, and was told the same thing. I asked for them to perform an underwriting, which they agreed to do which might require them rerunning my credit, which I was informed about via email, but was told by a rep that they would not review it and there decision is final. As I tried to explain to the reps, if they did what they said they were going to do, a soft look would have told them that I have a card thats 4X the limit of the Apple Card, which is why I dont get the balance up high that often. Also, when I do go that high, it takes a month or so for my score to go back up because it results in a XXXX point hit to my score. I think they are picking on me because of my name and what my name means. So, them asking me to permanently lower my score to get a limit increase is biases, especially when I have mad more than the minimum payment and well before my due dates. From what I gather from searching the web, this isnt a common problem that I am experiencing. This is prejudice at its core and is something that the average XXXX customer isnt dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



Remove the Inaccurate Accounts immediately the accounts doesnt belong to me : XXXXXXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights . 

Ive sent proof for 2 Years straight and XXXX and equifax is still reporting inaccurate accounts this is my final attempt to have accounts removed without hiring my attorney and filing lawsuits for damages and losses for the inaccurate accounts being reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
I received a call on XX/XX/2023 at XXXX from Alltran. 

I do not know why you are calling. Nevertheless, cease and desist. 

If communications from your company continue, I have no choice but file a civil suit. 

For your convenience, an additional complaint was filed with California Attorney General. Please ensure you address this time sensitive matter to prevent additional complaints and/or suits. 

*This is an attempt to correct your records, any information obtained will be used for that purpose.

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 2023-03-17 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  {$540.00} account number XXXX XXXX XXXXXXXX XXXX XXXX  {$870.00} account number XXXX XXXX. XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXX XXXX BANK {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX. XXXX XXXX XXXX  {$910.00} account number XXXX XXXX. XXXX XXXX XXXX {$990.00} account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX {$9300.00} account number XXXX XXXX. XXXX XXXX {$470.00} account number XXXX XXXX. XXXX XXXX XXXX  {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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.

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.

The accounts list in the above paragraph 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
Consumer complaint received 2023-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX HAS VIOLATED MY RIGHT 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION 15 USC 1666B : A CREDIT MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER PLAN AS OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my bank of America, prepaid debit card stolen, along with all my personal effects, on or around XXXX 2020.My identity was stolen and used to steal money, from my account.i contacted bank of America and they froze my account.at that time I was going thru a major hardship, going out of business, but when they froze my account, it put me into official homelessness, I also had a psychotic x-girlfriend and her minions apparently whent on a spree for over a year, somehow using my personal information to drain me .I lost everything and struggled to survive day by day, by the time I was able to get myself on my feet, and even think of anything normal again I checked into my account and saw many thousands were spent so I made a claim with bank of America, and they denied my claim, so I persisted and showed evidence on my behalf and they then saw it in my favor, I was sent approximately XXXX XXXX.a few months passed and I checked on my accountant they told me I had to file another claim to get reimbursed, idid, I was denied again.so I persisted more and they saw the claim in my favor, I was issued {>= $1,000,000}, .apparently my claim was broken into several different claims.i still have 3 more claims ( XXXX ) $  {$8200.00} ( XXXX ) {$8800.00} ( XXXX ) $ XXXX.im tired of getting denied when all these claims should have been resolved in my favor since the first one was turned over.? can you help me get bank of America to stop playing games and causing massive stress when I can't get reimbursed and I have go thru this unnecessary process of having to fight for my claim when the first claims were denied then seen in my favor they are all the same claim and I don't have the time or knowledge of how to deal with this confusing mess ... I need help can I please have you contact boa with a complaint... or will I have get a lawyer and sue.? I don't even want to cause problems but I'm sure they don't deal with homelessness and going hungry if I can't get a resolution I am expecting after my claims get reconsidered in my favor for good reason, I just want fair reimbursement, without having to fight for what has clearly been agreed upon by the bank and i. I have gotten no explanation for why they deny, but I don't need one I guess... I want my life back and my claim can get me back to a place I can live my life and not possibly die on the streets XXXX me thank you... Sincerely bank of America customer.

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 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern : I am writing to file a complaint against Gemini Trust Company , LLC, a New York-based cryptocurrency exchange. Despite providing all requested documentation, my account with Gemini remains frozen since XX/XX/2022, preventing me from accessing my funds and engaging in further trading activities. 

I have attempted to contact Gemini 's customer support team on multiple occasions, but have received no response or satisfactory explanation for the suspension of my account. I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. 
I have attached copies of my previous correspondence with Gemini. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I filed the complain on XX/XX/XXXX, case number of XXXX. The bank still refused to close my accounts and I reject its explanation completely. This is not trustworthy bank and no wonder why it's ranked 1 out 5 on XXXX  with over 400 complaints in the last 12 months. 

The bank doesn't have a valid system to communicate with its customers effectively, its so called " specialists '' who are a untrained group of people, every call took hours and no problem can be solved. Its called back phone ID method is totally broken, it works one day and not functional on another day. How can the bank all depends on a phone call? Why the bank just sends a check in my name to close my accounts like other banks do? In the matter of fact that the bank did refund a portion of my money to my linked account with the XXXX  XXXX XXXX from one of the three account on XX/XX/XXXX and refused to do the same with the rest of my money. 

The bank has no right to hold my money and I demand the bank to release all my funds back to the linked account with the XXXX  XXXX XXXX where all deposits were made from or simply send me back a check in the amounts. 

This bank has no protection to its customers, the only thing they are capable to do is to block its customers ' access and hold other people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing regarding my chase sapphire reserve benefits department. On XX/XX/XXXX my rental vehicle was parked and was hit by another driver. I filed with eclaimsline under my rental collision damage protection on XX/XX/XXXX. It is now XX/XX/XXXX and they are still showing my claim is pending. I signed up for this chase sapphire reserve because of the rental collision damage coverage but they do not enforce e claims line to pay the benefits the cars advertises and charges a hefty annual fee for. I have tried repeatedly to reach out to chase card benefits and today spent 45 minutes in hold was transferred twice and no one ever picked up the line. The three prior times I have called they say they are sorry there is nothing they can do and they transfer me to a dead line. I am being billed for this vehicle repair and for the loss of use from the rental car company. I think this is false advertising and fraudulent. This service is not available to chase clients and they do not hold this company responsible but advertise them heavily as a benefit of the card. I am so far unable to get anyone to help me and I am reaching out for help out if desperation. I had all documentation to support the process I have gone through in an tempt to resolve this claim and have now spent over 14 hours total on the phone and emailing and am unable to resolve this. I have checked online and ecalimsline also called XXXX is the benefit administrator for chase they have a 1.2 rating on XXXX  and are not a XXXX  rated company. I have filed with thr OAG of Virginia where they are located and now need to know what I can do to hold chase accountable for the false advertising on their card benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a text from bread accusing me of defaulting on the loan, which is setup on autopay and the payment was already deducted from my bank account. 

The text was received at XXXX on XX/XX/2023. The text includes the following : Bread : Please contact Bread at XXXX regarding your defaulted loan for the purchase made at I attempted to contact the company via the provided phone number, but the line says their office is not open and has no hours listed.

Company response to consumer: Closed with explanation