vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
For my XXXX Statement ( XXXX XXXX ) with Apple Card ( serviced by Goldman Sachs ), XXXX was charged interest in spite of paying more than the balance. My payments were also on time. Here are the details I see on the Apple Card app and the statement. 

Previous Total Balance : {$3900.00} New Spending : {$3400.00} Interest Charge : {$63.00} Payments and Credits : XXXX I made higher payments than my existing balance and was still charged interest. When I checked my XXXX statement, it confirms that I had paid all my XXXX balance so not sure where this XXXX interest originates from Previous Total Balance : {$2800.00} New Spending : {$3800.00} New Spending : {$0.00} New Spending : $ XXXX I spoke with the Apple card team on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to seek a resolution for this case. The Apple team did not assist with correcting the statement or reversing the interest fee. In addition, this fee also negatively impacted my credit score. 

On further analysis, i found that the Apple card statements are inaccurate as they don't reflect the amount due shown on the Apple XXXX XXXX, and their " Monthly Balance '' and " Total Balance '' amounts are different, which leads to confusion of the amount to be paid to avoid any interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
To whom it may concern, I the consumer sent EXPERIAN a dispute letter ( a copy of the letter and my consumer report will be submitted with this complaint ) on XX/XX/2022 demanding deletions of multiple accounts that were furnished on my consumer report. I NEVER gave EXPERIAN any written consent to report anything on my consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft. 

I have disputed this with EXPERIAN 7x through the CFPB portal to delete these alleged debts owed. Due to this identity theft committed by EXPERIAN and furnishing this information on a consumer report I suffered from their abuse. As a consumer I suffered from XXXX  and XXXX because I was unable to obtain employment and credit causing financial strain nor have I been able to obtain insurance or housing. My family and I suffered from the abuse caused by EXPERIAN. My family and I have been violated and this abuse is a violation according to 15USC 1692d. EXPERIAN knowingly and willfully obtained my consumer information and used it to furnish consumer reports. This is a violation according to 15 USC 1681q and is a fine under title 18, United States Code,.

As a consumer my right to privacy was also violated by furnishing consumer reports to from identity theft of my consumer information. Which violates 15 USC 1681 ( 4 ).

These false and misleading practices used to obtain my consumer information from XXXX XXXX and various other sources violates 15 USC 1692e ( 10 ) Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-10 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: NC

Complaint narrative:
I would like to state that XXXX is in direct violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) XXXX did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) XXXX never had a permissible purpose. I never instructed XXXX to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company

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 2022-08-10 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX I opened a Phillips 66 XXXX Credit Card that is managed by Synchrony Bank. I established this card to handle expenses for the XXXX XXXX XXXX that I operate at our local airport. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and asked them to cancel our aircraft hangar rental starting in XX/XX/XXXX as we were establishing our own private hangar arrangement with another vendor on the airport. I was very clear with the agent, ( XXXX XXXX, that we were to no longer be billed. The monthly bill was XXXX per month. I had thought she was clear on this. 

On XX/XX/XXXX, I was shocked when I opened our bill from Synchrony to find that the XXXX dollar hangar fee had been charged to us. I immediately contacted Synchrony customer service and wasted over 90 minutes of my valuable time talking to 3 different agents explaining that this was an unauthorized charge and that it needed to be removed. I was assured that it would be handled. However this was a lie. 

Unauthorized charges of XXXX dollars were added to my bill two more times for a total of XXXX dollars in unauthorized charges from XXXX XXXX XXXX. 

Many conversations with Synchrony Bank Customer DISSERVICE have been had and several hours wasted trying to get this resolved. 

I have refused to pay and they have affected my credit rating. Synchrony Bank OWES ME MONEY!!!!! And they need to remove the negative marks on my credit rating. Please provide them with the Adult Supervision that they so dearly need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed some addresses that I have never been associated with and experian said over the phone they would remove them well now they refuse to remove these addresses. They even put the wrong address as my current. I am sending copies of what I sent them, please make them do their job and remove these illegally reported addresses My only legal address is XXXX XXXX XXXXXXXX XXXX Ga 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
Consumer complaint received 2022-08-10 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: NC

Complaint narrative:
back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports

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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: TX

Complaint narrative:
I had an account with XXXX XXXX which was opened in XXXX or XXXX. I defaulted on the payments in XXXX or XXXX. The account has apparently been sold to a collection company, ERC, without my knowledge. No one has ever reached out to me in reference to the old account, and now I see that it has shown up on my credit report with new activity in XX/XX/XXXX. That is inaccurate and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened bluenile credit card which is corporate with comenity capital bank! That card is 12 months no interest and the credit amount is XXXX. I used all XXXX purchased diamond ring for my wife and I make payment every month on time. The no interest promotion end date is XX/XX/2022. My last payment is on XX/XX/2022, that day my remaining balance is only XXXX usd. On XX/XX/2022, I was trying to make the last payment XXXX. But their system is down. And then I was trying to login to again and again. Their system is still down and XXXX cant make payment online the whole XXXX. Even in the beginning of XXXX, their system is still down. Last night, XX/XX/2022, finally I was successfully login to the account and their system is back. I was shocked and surprised I was charged the interest fee which is XXXX usd! And my balance is only XXXX, but interest fee is XXXX. And its not my fault its because their system is down. I was calling the customer service they said they cant waive the interest fee because I didnt pay off all the Balance before XX/XX/2022. They are robbery my money and even not talk nicely just keep saying that they cant remove this interest. And keep saying that I can calling them to make the payment of last XXXX. But I really dont know I can make payment by calling them when the system shows its down just waiting the system back! The bank named comenity capital bank is big scam! I connected to them and they refuse to help me! they only judge me even thats not my fault! and they not even answer my question! Ive already paid my part off today and thats it! I will not pay a single extra penny to them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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: NJ

Complaint narrative:
There is an account listed on my credit report by Credit Acceptance Corp. It is listed as open when in fact it is closed. Furthermore this account is damaging my scores horrifically! They ( credit acceptance corp ) continue to report to the bureaus that this account is open and 120 days past due every month for years! That is not possible!!! - it is not open! It has been closed for years. If you look at the Monthly Payment there is no monthly payment because it is closed! This account has been marked late 120 days for the last few years and it's closed! this should not be on my report at all.

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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have been contacting the following companies for 5 years and they have refused to remove the debt. They insist that the debt was verified but has not shown proof. I have provided a police report and disclosed my full identity. My home was broken into year XXXX, where all of my personal information was stolen, and a police report was filed. My car was broken into XXXX where my purse was stolen. A police report was filed. I filed another police report in South Carolina when I discovered my personal information on the deep dark web. I have filed a police report in both the state of Georgia and South Carolina. No one has assisted me. I was advised to file a police report in every single state that I found fraud activity which I believe is unnecessary. I have been dealing with identity theft for 5 years now with no solution. I demand all information to be removed immediately. This is affecting my life, personal and business development. 

I do not know anything about the people or person who stole my identity. I also found my personal information such as address, credit score, D.O.B, and full name on a website called " XXXX XXXX' I have emails and screenshots of this information that I will also provide if requested. 

Company : XXXX XXXX : {$15000.00} XXXX XXXX  {$11000.00} TXXXX XXXX XXXXXXXX XXXX : {$2200.00} Collection Agency : XXXX XXXX XXXX XXXX : bought debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : bought debt from XXXX XXXX Georgia Police # XXXX ( XX/XX/XXXX ) Geogia Police # XXXX ( XX/XX/XXXX ) South Carolina Police # XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received notification that all my account with Chase will be closed. Including checking and XXXX credit cards. I have never been late on any of my payments, and do not have any idea why they closed my accounts. Mostly pay off the card in full each month. When I call the bank they will not provide a reason and just read off a generic message. I do not understand how Chase gets away with closing accounts for no reason, destroying peoples credit and don't provide an opportunity to explain whatever their algorithm deemed dangerous or whatever. 

I completely understand if there was something illegal done, but I have not done anything wrong or illegal. I demand an explanation! And CFPB needs to investigate Chase for their practices that harm peoples credit. Just in my circle of people I know at least XXXX other people that this has happened too. That's way to many people for this to be a random act. As one of the biggest credit providers in USA, Chase can not and should not be able to have a say in just closing down accounts for whatever reason they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have power of attorney for my XXXX mother and started managing her accounts mid XXXX. I began to see a " check image fee '' of {$3.00} charged to her checking by Bank of America. I have had to call XXXX times now to tell them to stop charging the fee and they have reversed the fee. My issue is that they continue to charge the fee and I have to call to get it reversed. There is NO way on the online account to stop the fee and it doesn't even reference this type of fee when you do a search. The people I speak to at BOA state they 'turn it off ' yet the next month, there it is. I think this is a way that they rip off customers who do not reconcile their accounts or like my mom, no longer use a computer. I asked the last person on XX/XX/XXXX - XXXX to make sure it is not charged again and she said she could not. I think this is a terrible way of doing business and if it wasn't such a pain to move my mother 's account away from BOA I would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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