vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This is my second time submitting a CFPB complaint about this issue but I am not going at it from a different angle. Rather than asking for Apple Card/Goldman Sachs to resolve the dispute in my favor like I did in my original complaint, I would like to complain about the fact that these disputes have been resolved in the merchants favor despite the merchant not actually existing. Apple Card/Goldman Sachs said in their reply to my first complaint that they dont have any merchant evidence because they looked only at my account, not involving the merchant. If they had looked into the merchant, they would see that the merchant doesnt even exist. I was given this information from the credit card company : The merchant is XXXX XXXX, their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX, and the category of the transaction is clothing. 

There is no clothing store at that address, nor is there any company called XXXX XXXX. There is no information to be found online about XXXX XXXX, nor any contact information. According to the Texas Comptroller website, there is no business license in the state of Texas for a company called XXXX XXXX. It does not exist. It is not possible for me to have made a purchase from a merchant that does not exist. 

I am now submitting this complaint because the credit card company did not do this due diligence, and instead focused only on my account. I could not have made the purchase, because there is no merchant for me to have purchased from. 

For additional information, I did make a purchase last year from a company called XXXX XXXX for a similar monetary amount and received those funds back after the company was found to be fraudulent and ended up closing before opening under a new business name ( XXXX ). XXXX XXXX was also based in XXXX XXXX and had access to my credit card information from the purchase I had made with them that was successfully disputed after they had been found to be fraudulent. I believe these things to be connected, thought I can not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
{$6000.00} was withdrawn from my account on XX/XX/XXXX - it was unauthorized - US Bank claims they withdrew this to offset payment on business Credit card from XXXX. I never signed an agreement for that card. Never approved an offset - and the debt on the card is disputed. Further more the account was open with Union Bank and converted to US Bank by acquisition so I never opened and checking account with USBank I was converted to US Bank - I signed up fior Union bank checking account and the money withdrawn was from a Union Bank account I signed up for not a US Bank account. These funds being taken from my joint account are causing financial hardship and irreparable damage to my financial reputation. 

Further I did discuss with Union Bank branch manager prior to the conversion if any of the terms of my account would change and was assured that thru XX/XX/XXXX the account would have and follow all the terms of Union Bank and my agreements with Union Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
aprox 3 weeks ago I contacted a navy federal rep to give me an answer regarding why payments and reporting was not being done correctly also to explain to me the increase in interest charges. I got a very rude lady who used many XXXX slurs on me and when I called to complain by secured messages I was jumped on by the reps supervisor which led to THEM CLOSING MY ACCOUNTS. I tried again and again to try and speak with a neutral party in an effort to resolve them up to XXXX. 
I have been a good member since 2019 and expected better than this type of behavior. on XX/XX/XXXX they realized the error in closing my accounts without full paid off and sent me a come on you don't really want to close your accounts with us? After receiving this letter I once again tried to communicate with them only to be blocked from any further communication with them. I called a rep once again and she refused to help me at all and when I ask for there legal dept I was hung up on after waiting 45 minutes on hold. Finally I lashed back at them and basicly told them to stuff it as they wanted me to do. These events have turned me into something I am not but after there employees treated me with hate and refused to settle the matter they wish me to give them an external account that they may openly debit. I called all parties in my two remaining banks and they refused to let me do this and that includes XXXX XXXX. They are pushing me into default with no means of settling the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a summons to come to court for a debt that my husband and I owed the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. From XXXX, we were in bankruptcy and the bankruptcy court paid the HOA on our behalf. After the discharge of the bankruptcy, the XXXX sent us an invoice stating that we owed them {$1200.00}. I thought that we had settled this but on XX/XX/XXXX, I sent them the amount of the invoice, plus the amount for that year which was {$270.00} for the year XXXX. 
I answered the summons and sent them a debt validation letter, pursuant XXXX XXXX. XXXX, stating that their claim is disputed, and validation is requested, ( Exhibit A is attached ). I never received a validation response, but they continuously sent me verification letters. 
I counter sued with a Defendants Opposition to A Motion for Summary Judgement and filed it in the XXXX XXXX XXXX XXXX. A court date was set for XX/XX/XXXX, at XXXX am. The judge did not appear to even look at the case or listen fully to the defendant XXXX XXXX. He stated that he would give his ruling in ten ( 10 ) days, in which it was more like 16 days afterwards. The judge ruled in favor of the Plaintiffs for an additional {$4.00}, XXXX, and our journey to appeal began. 
We filed an appeal on XX/XX/XXXX, in which the XXXX XXXX XXXX XXXX and the Court Reporter kept stalling us regarding our transcripts. They approved our appeal, but in the meantime my husband was diagnosed with two different types of cancers. I did not even have the mind or time to follow up on the appeal. I then received a letter that I was one day late anyway, so my appeal was denied. 
This complaint is for all the people in our subdivision that is going through the same exact dilemma. We are praying that some rules and regulations change for homeowners going up against HOAs because it seems that theyre all working together to not follow federal laws. There were so many laws that were violated and overlooked. There has to be some relief for seniors and people who may have been late but are willing to straighten their wrong and pay whats due ; not be railroad into paying for a dozen court costs, attorney fees from attorneys that are not even debt collectors and everyone working on the case! We are overwhelmed and disappointed! Thank you for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: GA

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: VA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NV

Complaint narrative:
I opened an account on line with XXXX XXXX XXXX in XXXX nv and proceeded to transfer about XXXX from my discover XXXX and realized I made a mistake so I ran down and closed the new account with XXXX  The banker who closed account said the money will just go back to my discover account! Never has and I have spend 2 months calling sitting on hold, hung up on. And no one will complete this issue! They keep sending me here and there and nothings been done! I am XXXX XXXX XXXX and need that money to live on, I can not believe a multi XXXX dollar bank can not find my money! There were 4 transactions of XXXX, XXXX, XXXX, and XXXX XXXX! The lower 3 have been returned???? Why not my XXXX? They have caused me great deal or stress and time wasted on the phone. I need someone to help me. XXXX please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: CA

Complaint narrative:
A tax levy filed by state of California was taken out twice from my personal account. The bank had paid the first notice on the last day it was due, which retired the debt fully. When a second notice was sent by the state as a reminder, with an additional months interest, PNC bank treated it as a second levy and also paid that notice out of my personal account. The bank would not cancel the patment despite acknowledging the first payment PNC submitted was the sole payment requested. I have requested a refund from California state tax authority, but my funds have not be free to pay down PNC credit card, do PNC will earn interest invome due to its incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NJ

Complaint narrative:
Transunion failed to remove an unauthorized enquiry on my report by XXXX XXXX on XX/XX/XXXX which i had reported to them since XXXX of XXXX. 
Other unauthorized enquiries are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
CBHV Reference # XXXX is reporting inaccurate information to the credit reporting agencies I have reached out numerous times through certified mail to this company to resolve this issue. I demand proof of this alleged debt specifically the physical contract bearing my signature, according to 15 USC 1692g ( b ), a debt collector shall send the consumer a written notice containing, amount of debt is owed to, and verification of the debt or copy of a judgement, according to Black 's Law Dictionary Verification Means : Confirmation of correctness, truth, authenticity, by affidavit, oath, or deposition. CBHV has not provided physical evidential documentation regarding this debt, but they have verbally communicated to the collection agencies the alleged debt is verified without providing evidence of the debt, amount owed, the original contract bearing my signature, I have no account with this company, nor am I or have ever been a customer, nor have I entered a contract with this company. Regarding my demand for proof, you have not supplied the demanded proof of the alleged debt, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15 USC 1692 ( a ) Congressional findings : you have violated me by invading on my privacy, for one having my personal information without my consent and furnishing information to third party agencies buying and reselling my information without my consent. If this reported information to the credit agencies is not removed a Lawsuit will be brought against your company. Further, because of the nature of these violation your company have committed against me, I'm asking for XXXX per violation. This is for your company causing distress, many missed nights of sleep and headaches. This letter is to serve as a formal complaint with the CFPB, FTC, Attorney General and the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RIGHT START MORTGAGE, INC.
State: AZ

Complaint narrative:
I had a home mortgage with Right Start mortgage. Sold my house the middle of XXXX. Its now the middle of XXXX and I still don't have my escrow refund check. I called the company in XXXX they said they mailed it to the old address and it probably came back. I don't believe they mailed anything because they new I just sold it so why would they send there. So, I called and they said I had to do a change of address. They were supposed to email it to me why they did not call me or email me when it came back I don't know they have all that information any way, they sent the wrong form so I called again and this time they sent the right form It was filled out and faxed back to them. Then they said I had to wait 5 days and call them again to request they reissue the check. I did that and they said it would take 30 days to process which I don't understand since it had already been processed. Its been well over 30 days and still no check when I call all they tell me is its being processed. Its been over 4 months and they should not still be holding onto my money. I sure hope they pay me interest as well. I really don't think is legal for them to hold onto money that is not theirs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I contacted PayPal about a seller named XXXX XXXX who runs a company called XXXX. The items were on a payment plan and PayPal has the invoice as it was created using their system. In XXXX of XXXX I sent XXXX a message stating that I needed her to send some of my items since I paid well over {$5000.00} ( it was crystals ). She stated that I needed to pay the entire balance before she sent me any of the crystals. I told her that thats not right and she combined the invoices to make one invoice. She stated that she would get back to me about the shipping costs. In XXXX of XXXX I reached out to XXXX XXXX and told her to send me the shipping invoice for the crystals by XX/XX/XXXX. She didnt send it. 

In mid XXXX she sends me a message and says that she is being kicked out XXXX and needs me to pay for shipping by XX/XX/XXXX. I told XXXX XXXX that I told her to get back to me by XX/XX/XXXX as that is when my check comes. I also told her that I needed additional time as my military pension is paid at the end of the month. XXXX refused to to refund me and refused to ship my items. She kept over {$5400.00}. She scammed me. 

I reached out to PayPal and they told me that since it was over 180 days they will not return ny money. Even though they have received multiple complaints about this seller and her non shipping. This was XXXX. In the case of XXXX they should refund me my money. PayPal instructed me to sue her. I can not Sue an overseas person. I live in the United States. 

Furthermore XXXX XXXX also lied. She never left XXXX as she said she was and her last shipping date was XX/XX/XXXX. She had ample time to allow me to pay for shipping. However XXXX XXXX resold my items on XXXX and kept my money. 

PayPal also lied. They returned other peoples money far beyond the 180 days and I have evidence of that. When I alerted them they told me that they can not discuss other accounts with me. However it is clear bias as I was scammed by a customer. That is wire XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a credit card with Target. Every month they do not report the correct balance. I have paid the account off, but they keep reporting the previous balance XXXX. I have contacted credit bureaus so they can get new balance updates, but Target continues to give them a past statement balance. The credit bureaus ask for the current balance, yet Target continues to give them a past statement balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: VA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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