vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: GA

Complaint narrative:
On XX/XX/2021 I signed a contract to have solar panels installed on the home I own. They partially installed the system on XX/XX/2021 and it is still not operating. It does not work. I have signed the dotted line so I have obligated myself for 20 years to pay for something they have failed to deliver on. The other concern I have is the federal tax credit you can get for going solar. They expect me to pay the tax credit amount on the loan by the XXXX month note. On the XXXX month they will add the tax credit to the loan amount I owe. The system was {$38000.00} tax credit {$9900.00} for total of $ XXXX. The companies I am dealing with is XXXX XXXX XXXX XXXX dba XXXX XXXX. Sunlight Financial, service provider is XXXX XXXX XXXX. 
I have made numerous calls, emails, text with no results. 
I requested a breakdown of how they came up with the total of the system {$38000.00}. They could not give me more than the contract I signed which does not give that detail information. There is a Promo Credit they are suppose to pay me in the amount of {$3400.00}. I inquired and it will take 6-8 weeks AFTER the 'PTO ' permit to operate is given. The county can not inspect the system before it is installed and working. It appears they wanted the funds released so they half done my install. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021, I initiated a consumer credit transaction with Regions bank using my credit card as defined in 12 CFR 1026.2 and 15 USC 1602 ( i ). To my surprise I was denied my credit. Credit is a right as defined in Truth in Lending and to deny me my right because I in good faith exercised any right under the Consumer Protection Act is prohibited and discrimination which is a violation of 15 USC 1691 ( a ) ( 3 ). The inquiry on my consumer report and denial email is proof that a transaction occurred. A transaction was completed using my credit card and I never benefited from it, another violation of the Truth in Lending Act 15 USC 1602 ( p ). According to Regions Bank I was denied because of a credit score. Pursuant to 12 CFR 1002.0 ( b ) ( 2 ) I can not be denied because of company policy or because of a credit score. This discriminatory act taken against me has caused me XXXX XXXX  confusion, bouts of XXXXXXXX XXXX XXXX nights, and early XXXX XXXX from the 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 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and XXXX Credit Bureaus last month. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : MIDLAND FUNDING - XXXX Balance Owed : {$830.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$1700.00} ; MIDLAND FUNDING XXXX XXXX Balance Owed : {$3100.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Adjust and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The AMERASSIST AR SOLUTION account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One sent me a replacement credit card, and this new card is contactless. When I asked for a card that was not contactless, they refused. They are putting my information at risk by insisting that I get a card that any hacker can read without even touching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Macys credit card in XXXX. Apparently it was closed shortly after and there was a balance. I called to pay the balance and was told it reached the statue of limitations and I was unable to pay the balance. Its been XXXX  years since XXXX and yet they still report negative to the credit Bureaus. It says it wont get taken off until XXXX of XXXX. Thats over a decade from when it was closed. I would pay the balance if the company would let me but that wont. If I cant pay the balance and its been over a decade, why are they still reporting negatively? The next step is to call a law firm and go to court. This is ridiculous. Ive reached out to the company and tried filing several disputes but every time I file a dispute, the start the clock over for when it will be removed. Please remove Macys from my credit report if Im not able to pay the balance or do anything about it.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: IL

Complaint narrative:
A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 2. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has violated my consumer privacy rights. I have not given Transunion authorization to sell or misuse any personal data. This act is a violation of my civil rights and Texas Consumer Privacy Protection Act. No person may solicit, misrepresent, or sell any personal information without the consumer authorization. Transunion has violated Texas Deceptive Trade Practice Act selling information to XXXX to harm my credit. Transunion and XXXX has violated the federal XXXX XXXX of 1999 limiting the transfer of your personal financial information to third parties. Transunion, XXXX and XXXX had violated the HIPPA ACT sharing my medical data and personal financial data. Transunion has not sent any method of verification of the inaccurate information on my credit file in the public section. Transunion claims they have verified the inaccurate information with the court. Court does not report to credit bureaus due to privacy laws. Court does not report to any credit bureaus or third party companies. Transunion has failed to investigate the inaccurate alleged bankruptcy o my credit file and has failed to provide a legal notarized original of who can testify an alleged bankruptcy exists. Transunion first displayed the alleged bankruptcy on my credit from XXXX, now they are making false claims that the court has given them information. This is all a lie and Transunion misusing my credit. There is no bankruptcy on my XXXX ad XXXX credit. I have the right to file suit against Transunion for violating my civil rights and harming my credit 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 2021-11-10 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/2021 The National Credit Adjuster Agency report to XXXX a False and inaccurate address in wich I never leave and the other problem was that the National Credit Adjuster never sent me a notification of such collection From XXXX XXXX of a collection of Surge Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I've made a Cash Deposit on a ATM of Bank of America located on : XXXX XXXX XXXX, XXXX KY XXXX. ( XXXX XXXX XXXX ) on the date XX/XX/2021 at XXXXhrs.

It wasn't reflected in my account balance, and just printed to me a sort of recipt apologizing, but unablle to process the money deposit or item ( s ) return. 
I'm a new client customer and they are still illegally holding my money, they also didn't giving me a clear response for the inconvinience and making me a unnecessary waiting for my founds. I demand a CFPB ontervention. Thanks

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 2021-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Recently i received a copy of my XXXX credit report and noticed multiple unauthorized opened accounts from Amex added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Amex. XXXX gave Amex credit card company access to my credit file without my permission. 

there are 2 Amex accounts that are reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Amex and when ever i talk to Amex the blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a check in the amount of {$48000.00} and l had another check for {$5.00} to deposit into my checking account with Wells Fargo Bank which I have been a customer since 1983. But I was given two choices on the day l of the deposit, the would place a 12 day hold on the and give me {$220.00} or give me my checks back to me all because their system said that in the past six months l have zero balance. And they need proof of funds. I told them that it doesn't take 12 days to get proof of funds. Wells Fargo called the Bank not the and the company the sent me check for proof of funds and when I told that to one of the Banker at Wells Fargo his answer was, " on hold. '' Four weeks ( prior weeks ) all l had to live off was the {$220.00}, as a XXXX XXXX XXXX XXXX senior citizen in rural South Carolina miles away from any stores.

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 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
This account was deleted to XXXX  due to the fact the company inaccurately report my account, Im requesting the company to delete in all platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
They have the promotion about deposit {$15000.00} for certain days and give me {$500.00} bonus, and they never give it to me.

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 2021-11-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I agreed to purchase some goods from a vendor in a certain timeframe, which was guaranteed at the time of purchase. When the goods did not arrive, I emailed the vendor in advance of the deadline reminding them of our agreement. The goods still did not arrive by the deadline we had agreed at the time of pirchase. 

The Fair Credit Billing Act, 15 U.S. Code 1666, ( b ) ( 3 ) defines a billing error as " A reflection on a statement of goods or services ... not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' I complained to my credit card company about this billing error and forwarded copies of the emails which demonstrated the agreement made at the time of the transaction and how it was breached. I pointed out to the card company that the vendor had accepted responsibility for the billing error and wrongly offered me a 50 % refund of my money- which I refused. 

However, Chase Card Services refused to accept that this was a billing error and wrote to me to say " We found no evidence of a billing error based on our research. '' This conclusion was reached even though the vendor had admitted the billing error This is the second time is as many months that Chase has refused to accept an obvious billing error as a billing error. After I complained to you on the previous occasion, Chase immediately reversed its initial decision and accepted the previous complaint as a billing error. They will do the same here. The basis of this complaint is that Chase is SYSTEMATICALLY avoiding legitimate billing errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have sent several letters to the company Credit Acceptance as well as sent letters to the credit bureaus to have this inaccurate credit reporting stopped and corrected. I have talked with several representatives at Credit Acceptance and I was assured this will be corrected, and it still has not been corrected. I have been disputing this information for the past year and it has not been corrected as of yet. I have sent several letters on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. No response regarding this issue. Phones calls have been made as well. XX/XX/2021, XX/XX/2021, XX/XX/2021.

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 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a deposit on account to the XXXX bank XXXX XXXX XXXX XXXX XXXX for the amount of XXXX dollars, said company that provided the service is the XXXX XXXX and until today said money is not deposited to the account of the beneficiary. 
I have already reported my problem with the aforementioned company many times, but they only reimburse me the XXXX dollars they charged me for the transfer and they excuse themselves saying that the money has already been deposited to the beneficiary 's account, which has not happened, For this reason, I attach the account statements for the months of XXXX, XXXX and XXXX. too The beneficiary went to the XXXX bank in XXXX to see what was happening and they told her that this shipment does not exist, that such money has never arrived. 
It is worth mentioning that I continue to communicate with the company and now they hang up the calls, since they do not want to solve my problem, I demand a refund and also the documents where they support themselves to say that this money is already deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The BK OF AMER account is incorrectly and fallaciously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please examine and erase it from my personal credit 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