vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
On Friday, XX/XX/2022, I financed {$1500.00} through GoodLeap for XXXX tune-up services by XXXX XXXX XXXX XXXX XXXX XXXX  before the work was completed ( See Exhibit A ). Unfortunately, XXXX caused great harm to my HVAC system by leaving an operable system inoperable after servicing my HVAC. As a result, I complained to XXXX on Sunday, XX/XX/2022, and canceled payment and financing through Goodleap. According to the GoodLeap Retail Installment Contract ( Exhibit B ), on pg 2, it states that I " may cancel this transaction prior to midnight of the third business day after the date of this transaction by sending the attached Notice of Cancellation to GoodLeap ... at XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' Consequently, I have through Wednesday, XX/XX/2022, at midnight to send my cancellation to GoodLeap. 

My cancelation actions were numerous, including : 1 ) On XX/XX/2022, emailed GoodLeap at XXXX ( Exhibit C ) 2 ) On XX/XX/2022, replied to their GoodLeap app on origin.goodleap.com that I was canceling the transaction and provided the reason for rejecting it ( Please see phone screenshots of my submission and confirmation that my submission was " Successfully submitted '' in Exhibit D ) 3 ) On XX/XX/2022, before the XX/XX/2022 deadline, I sent the Notice of Cancelation to GoodLeap at the required address via Certified Mail. Please see a copy of the signed and witnessed " Notice of Cancelation ( Exhibit E ), a photo of the Certified Mail letter I sent ( Exhibit F ), the Certified Mail receipt ( Exhibit G ), and the USPS Tracking Delivery and Receipt by a GoodLeap employee confirmation ( Exhibit H ).

However, I continued to receive loan notices from Goodleap indicating that my loan ( # XXXX ) had not been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on 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 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 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 2022-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2022-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account

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 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 and XXXX XXXX XX/XX/2021 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-09-24 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
The alleged debt is being reported by XXXXCaine and Weiner claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im owed money. I also stated this to the insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2021, I made a purchase that was larger enough to be placed in 12-month special event. Regardless if I have a balance or not ( of current purchases ). Macy 's does not apply my payments to the promotional balance. Example, XXXX statement I did not make any purchases on my account, so I made a payment of {$75.00}. Which I called ( like I do every month ) to ensure that the {$75.00} was applied to my promotional balance, instead the company then applied it to purchases which were not on my statement yet. I have called almost every month and it is constantly not being completed. My last balance for my XXXX statement was {$280.00}, which I made a {$75.00} towards and called to ensure it is applied to the statement balance ( which was all the promotional balance ). But instead I get the XXXX statement which states that my previous balance was still {$280.00} and my payment was applied to my current charges. Macy 's is making it nearly impossible to pay off my promotional balance. Macy 's states they can't help me pay towards the balance unless, I make a phone call every month. I do make the call but they do not apply the payment as requested.

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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am trying to get my wifes XXXX XXXX applied to my account. I am the secondary account holder. I have been complaining and disputing that they need to add this to my account. Transunion is the only one not complying. XXXX and XXXX have complied up to from XXXX to XXXX. Transunion refuses to fix it I have disputed with the as early as XX/XX/XXXX. I disputed for up to 6 months. Nobody took me seriously. I am fed up I contacted XXXX several times and they say contact Transunion. Nobody wants to fix this. Transunion is refusing to listen.

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 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2022, received a scamming text and followed link and entered sensitive information.. Chase Bank XXXX They issued a new card. but my ss Number and everthing were already given

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I have always had excellent credit. This last month I noticed a XXXX drop in my credit rating. I found that a credit card was compromised during a two-month period for monthly payments of {$28.00} each. This has since been corrected, but how can I fix the credit report?? I am devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: GA

Complaint narrative:
Amazon/Chase Credit Card : When items are returned to XXXX, the box for " credit amount to original payment method '' is checked every time. The original payment method is with the Amazon credit card- Chase. Instead, XXXX  places the amount in an XXXX  gift card - without any notice or authorization. The only way to redeem the " gift card '' is by entering a claim code or to buy additional merchandise and use the amount in the " gift card ''. XXXX  does not give a claim code.

I still have to pay the balance of the purchases to Chase even though I have returned the merchandise. 
When asked, Customer Service at XXXX  has gone back through purchases and figured out some of the purchases that apply to the " gift card '' and credited that amount towards the credit card balance. However, they haven't been able to get all of them. Irrespective of my requests, this issue with the " gift card '' has happened repetitively, and thus my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

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 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
Netspend All-Access has a hold on my money in my checking account. I get XXXX  XXXX deposited once a month and have been having this deposit for years with Netspend. This month i went to withdraw my funds that were deposited and Netspend would not allow me to have my money stating I owed money on other accounts. I do not have knowledge of other accounts. They could not tell me anything about these accounts other than they had high negative balances and they were not giving me my money until I paid off those accounts. I can not get them to investigate those other accounts, I can't get any information regarding these other accounts. I'm XXXX and that money is the only money I have to live on, i purchase my medications for my illnesses, i see my doctor, pay my rent and utilities and pay my car payment. Everything is due right now and i can't pay anyone because Netspend will not let me have access to my money. This started XX/XX/2022. I will lose my electricity, my car will be past due, i will lose my insurance, phone, and most of all, i can't see my doctor on Tuesday and get my monthly medications which I must have. They simply will not help resolve this issue. I feel it is fraudulent because I do not owe any money to them and if they are a prepaid company, how is it anyone could even owe money. They will not help 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 2022-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: HI

Complaint narrative:
I called EdFinancials customer service line on XX/XX/XXXX to ask for a refund to be processed of the payments ive made since XX/XX/XXXX. They had told me they submitted the request, but I did not get any form of verification or notification that the request had been made. I spoke with others who have dealt with EdFinancial, particularly with refund requests, and they explained that its taken them several weeks to months to get the refund while other Student Loan Companies are returning the refunds within two weeks. They suggested I inquire with the CFPB to ensure the refund request has been submitted. 

The amount requested to be refunded was ~ {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The alleged debt is being reported by XXXX and XXXX claiming that I owe a balance of {$440.00}. The balance was policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So the insurance company owes me money in which I stated to them. I am requesting a full description of the procedure of reinvestigation once complete. I demand that this negative mark be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have Submitted Everything Over To Clarity Services to Send me a New Pin number to unfreeze my reports with them and they still refuse to send me the new pin I need my reports unfrozen to get a much-needed loan that I need. I have Submitted this information several times and got nothing in return

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 2022-09-24 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: NY

Complaint narrative:
I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Reports. 

XXXX. XXXX XXXX ( XXXX, XXXX, XXXX ) XXXX. XXXX XXXX XXXX, XXXX, XXXX ) XXXX. XXXX ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief