vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi is confusing me as to whether or not I will be assigned a fee, and how it can be offset. A minimum balance is not what I will keep. A deposit and bill pay is what I've tried to arrange, though whether or not the bill pay is qualified remains guesswork. While told the billpay must be in the form of a paper check, a payee changed its policy and would only accept a debit card payment. One credit card is linked to the bank. I've requested the paper check be issued to the card so the billpay will be qualified and a surprise fee does not continuously appear. When configuring the billpay to one that is paperbased, following much stress and hassle by associates confusing me as to whether or not the billpay could be set up, guesswork as to whether or not the credit card linked with the checking account will qualify remained intact. For the XXXX - XXXX statement, no fee was assigned, confirmed by chat, yet past experience has taught that what is communicated through chat can not be trusted in terms of whether or not the bank will impose a fee that can leave the account delinquent to any debit payment. For the upcoming statement, I can not reconfigure the payment to one that is paper based, it is set for electronic, leaving guesswork as to what the bank will do. Calling in or chatting does not inspire confidence that another surprise fee will present, or policy regarding electronic or paper based payment results in being considered qualified. Would the bank clarify its policy for billpay through this complaint forum? I can not keep the account open if continuously guessing as to what the bank will do, and will not be meeting the minimum balance requirement, as already stated here.

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 2021-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello I appreciate your help this account is paid in full and I would like this update on all 3 credit bureaus it is negatively affecting my score and I would like it updated right away. 
Thank you. 
CAPITAL ONE BANK USA NA Last reported XX/XX/2021 {$490.00} Open balance {$500.00} Credit limit Balance carried not confirmed Credit limit {$500.00} You're using 99 % of your account 's limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a credit card from Bank of America, which I have been using and paying properly for over a year and the back now says than your office closed my credit card on XX/XX/XXXX of the current year. 

I wasn't advised or noticed about this situation nor the reasons why this decision was made on my credit card. 

I am requesting a review on this decision and appeal to reopen my account. I have my documents which I can provide of needed as well. 

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 explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
I sent out a letter to all 3 credit bureaus XXXX, TRANSUNION, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2021-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I applied for and was given a {$50000.00} loan for home improvements and solar from a company in XXXX, California called Goodleap in the month of XX/XX/2021. 
I also contracted with a XXXX company galled XXXX XXXX from Utah for the installation of a solar electric system on my property. Value of contract was {$50000.00}. 
The solar system was installed on my property at the end of XX/XX/2021 but the job was not completed as of that date. On XX/XX/2021 Goodleap wire transferred to XXXX XXXX {$36000.00} for the solar system without my approval and was not the full payment of the contracted {$50000.00}. I reached out to XXXX XXXX regarding this payment and asked why they only received a partial payment for the contract and was told by XXXX XXXX of XXXX solar that Goodleap ( finance company ) takes 27 % of the contract as a dealer fee and that the {$50000.00} contract with them is complete and fully paid for. 
I asked XXXX where in the contract does it say that I am paying a 27 % fee which is {$13000.00} and was told that Goodleap charges that to the customer on every transaction. So the cost of my solar system was much less than the {$50000.00} that I paid and the finance company is stealing {$13000.00} from me on this loan. I did call the finance company and they have denied any fees that they paid although they confirmed that they only paid {$36000.00} to the solar company from my loan proceeds and there is nothing in the loan documents that says the loan company is going to take a 27 % fee for my loan. 
This is total fraud and the finance company has stolen {$13000.00} from me and will not tell me or give me any information regarding the transaction and only have told me that the loan has been fully funded. I know based on what he solar company has told me that this has gone on for hundreds or possibly thousands of consumers and entails millions of dollars if not tens or hundreds of millions of dollars in stolen money from unsuspecting customers purchasing solar and financing it through this company called Goodleap.

I did reach out to a lawyer regarding this and he did some inquiry and did confirm my complaint, however I do not have the tens of thousands of dollars that it is going to take to file a suit against Goodleap to get my money from them.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
At the time of the recent XXXX data leak I tried to access my Experian account to freeze my credit file. There was an Experian internal system error that stopped me from accessing my account. The Experian system I then found out assumes that they have every consumer problem covered through automation, which is a very foolish and a naive assumption equivalent to the assumption that their system contains no errors. I tried every avenue of password reset, etc and was not able to resolve the issue. The system invites you to call a support phone number in case you could not resolve the issues online. That support number does not give the caller an opportunity to discuss the issue with a person. Instead you get the same automated advice as the online system. It is impossible to reach a person for help. I then started writing physical letters asking for help. The first went to an XXXX regional office. No answer. The second letter I sent to the President of the company. No answer. In the meantime I am notified by XXXX that my personal information was hacked, and I had no way to freeze my credit file. I received emails from Experian giving me the same advice which I received in the beginning and which always led to the same state of not being able to do anything to freeze my file. 
This is a case of Experian significantly raising the risks to me and my personal private information. It is totally irresponsible and personally damaging behavior on the part of a company that should be trustworthy.

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 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In 2019 an account from XXXX cards showed up on my credit report. I never had an account with XXXX neither was I an authorize user. I have sent letters repeatedly and I uploaded the recent letter they sent me. I need this remove from my credit report immediately. It is affecting my Transunion report only. It does not show up on XXXX or 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 2021-10-05 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX C XXXX. I have also attached an FTC IDENTITY THEFT report for the following items : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. The report number is As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in XXXX and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, XXXX shows Monthly, Experian-48 months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.

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 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$1000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
I was a XXXX XXXX subscriber. XXXX XXXX offered a hardware device to make internet calls from your cell phone while at home. It did not appear to work. I returned the hardware device to a XXXX XXXX store on XXXX XXXX, in XXXX, NY. Several years later, XXXX XXXX began contacting me about an alleged owed debt of {$35.00}. I explained that I had returned the hardware device. I spent hours on the phone with no resolution. I was told by XXXX XXXX to go to the XXXX XXXX store I returned it to. I did, on several occasions, again spending ~ 1 hour in person. The store personnel were very nice, explained this happened a lot, that I shouldn't owe it if I returned it, but that they didn't keep good records and didn't have any record of my return. I again tried XXXX XXXX. I communicated in writing with XXXX XXXX. The issue appeared to be resolved. 

XXXX XXXX then, apparently, sold the debt to Enhanced Recovery. Enhance Recovery called me. I explained I did not owe the debt. Enhanced Recovery kept call, at times demanding that I provide personal identifying information prior to them ( a ) agreeing to explain why they were calling, ( b ) providing information about the alleged debt or ( c ) providing me a basis to dispute the debt. Enhanced Recovery and XXXX XXXX have now reported a {$130.00} debt to credit reporting agencies which is showing up on my credit report with all 3 credit bureaus and negatively affecting my credit score. My credit has always been exceptional. Please investigate and take appropriate action action against XXXX XXXX and Enhanced Recovery. 

Enhanced Recovery Account # XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I want New Day USA to stop sending junk mail to my home. I have complated the online Opt Out and they still send me just mail for XXXX XXXX XXXX XXXX.

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 2021-10-05 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: IL

Complaint narrative:
This complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: IL

Complaint narrative:
This complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

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 2021-10-05 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: PR

Complaint narrative:
Experian is reporting a XXXX XXXX WITH ACCOUNT NUMBER XXXX account to me that I have asked it to investigate because it is not mine.

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 2021-10-05 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Hello it still says I owe {$25.00} but that was paid in full AMERICAN HONDA FINANCE Last reported XX/XX/2021 {$25.00} Reported balance Highest balance {$13000.00} Nice! You've almost paid off 100 % of this loan

Company response to consumer: Closed with explanation