vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX Via Email XXXX Account Number XXXX Buyer XXXX XXXX XXXX Co-Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Inquiry dated XX/XX/XXXX Thank you for your recent request. Listed below is a summary of your account information as of todays date. 

Original Principal Amount : {$16000.00} Payment Amount : {$180.00} Payment Frequency : Bi-Weekly Current Principal Balance : {$1300.00} Date of Last Payment : XX/XX/XXXX Current Account Status : Active Next Due Date : XX/XX/XXXX Last Reported Account Status : Active : Current Last Reported Balance : {$1300.00} Payment Habits ( Last 24 months ) : 30 days past due XXXX ( XXXX ) ; 60 days past due XXXX ( XXXX ) ; 90 days past due XXXX ( XXXX ) Bridgecrest reports to Equifax, XXXX, and XXXX monthly. XXXXXXXX XXXX XXXX may be reached at XXXX. 

In XX/XX/XXXX, I was involved in a vehicle accident that resulted in a total loss of the vehicle. After a few months of negotiating with the insurance company, a settlement was reached in the amount of {$7500.00}. The check was sent directly to my lender XXXX on XX/XX/XXXX. In addition to the {$7500.00} settlement, I also made my monthly payment of {$400.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that was very simple and easy to understand that was established by XXXX notifying me of my next scheduled due date of XX/XX/XXXX. Unfortunately, XXXX failed to honor the XX/XX/XXXX, due date by charging off my account on XX/XX/XXXX, due to lack of payment. Although XXXX has my personal contact information, I never received a phone call, letter, or email to notify me of their intent to charge off my account. I became aware of the charge-off from an alert from XXXX indicating that my credit score has decreased. I contacted XXXX to have the error corrected, but I have not been successful in my task. I decided to dispute my credit report with all three credit reporting agencies due to the inaccurate information reported by XXXX. After waiting the required 30 days, I received a response indicating that the information was correct. I am not clear on the law or the rules about how each Credit Bureau collects and researches erroneous information in a dispute, but I am clear about the facts of the letter that I received from XXXX advising me of my next scheduled due date on XX/XX/XXXX. XXXX, XXXX, and Equifax have all failed to remove or correct my credit report, so I am searching help from the CFPB to review the facts of the letter that I received from XXXX and require all three credit agencies to remove the inaccurate information from XXXX about me from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I purchased an American Express debit gift card in the amount of {$250.00}. As soon as the card was activated at the cash register, there was a pending transaction for {$240.00}. and some change at a restaurant in XXXX XXXX  New York. I called the number on the back of the card and when I finally got a representative named XXXX, she told me that they can't stop a pending transaction and said to call back in a few days. I called back on XX/XX/XXXX and the representative told me I'd have to call that restaurant. I knew that wouldn't do any good. I am out the {$250.00}. on this card and it sure would be nice to get my {$250.00}. back. I live in Tennessee and purchased the card in Tennessee. The transaction was in XXXX  NY. The card number is XXXX XXXX XXXX. Expires XX/XX/XXXX and the code is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-19 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NV

Complaint narrative:
I have attempted to resolve an incorrect reporting with the CRA numerous times and they have failed to DELETE an inaccurate account. They also allow the CRS to report on an account that has multiple inaccurate late pays and on an account that is at a {$0.00} balance and they don't even own anymore. This account XXXX XXXX was transferred to XXXX XXXX  as part of an agreement in XX/XX/2022 where XXXX bought all XXXX Extra Points accounts ( good or bad ) from XXXX. Yet, XXXX still reports this account that they own it and the CRA refuses to delete it. I am including a {$0.00} balance letter from XXXX that they own the account and not 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 2022-08-19 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: SC

Complaint narrative:
On return from traveling in XXXX I noticed there were fraud charges on the account, and promptly canceled the card the opened a dispute, initially I told the fraud agent that I had returned to the united states, and couldn't have purchased that stuff. they asked for flight history which i gave them as well as passport stamps that I left XXXX which I gave them as well. after which they said they need basically a boarding statement from the airlines that I actually boarded my flight, i have currently put in for that request but have not heard back from the airline. below are the fraud chages 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Date acct was opened XX/XX/2022. No funds were added to acct. I received an email that an acct was opened in my name. I was able to close the acct. They opened bank account using my social security #

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 2022-08-19 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Apple Card/Goldman Sachs took an adverse action upon me by closing out my account, which actually constitutes as discrimination per the ECOA. They've also taken unfair and deceptive means by eliminating my view of Statements, Transactions, Open Disputes, & Balance of Alleged Debt ( Billing Error 15 USC 1666 ). Please address those 4 problems above as well as the discrimination/adverse action/closing of my account. The customer service is very poor, gives misinformation, doesn't respond for 20min at a time, I escalated my concerns 19 business days ago in regards to this and still no response. 


It has come to my attention that Goldman Sachs has discriminated upon me and breached a fiduciary obligation. In accordance with the Equal Credit Opportunity Act, 15 USC 1691 ( A ) ( 3 ) it shall be unlawful for any creditor to discriminate because the applicant has in good faith exercised any right under CHAPTER 41. Chapter 41 Consumer Credit Protection, Truth In Lending Act, 15 USC 1602 ( F ) defines Credit which is the RIGHT granted by any Creditor ( 15 usc 1602 ( g ) ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have in good faith exercised this right as a Creditor and demand an open end credit plan be created, as you also have a fiduciary obligation by gaining access to my XXXX XXXX XXXX account, in which as Beneficiary I havent benefited from this transaction. Per HJR-192 of XXXX the Gold clause was dismissed, the United States went bankrupt, birth certificates were created bonds used as collateral. Per 12 USC 83 banks can not make loans on their own capital stock, 12 USC 1431 defines banks as borrowers. I signed a deceptive form in accordance with the FDCPA, 15 USC 1692j, the application is a promissory note/negotiable instrument, I endorsed. I do not receive income from employment, yet Im compensated pursuant to 12 USC 4502 ( 6 ). I am demanding my Apple credit card be taken off restriction with a {$30000.00} limit to be deferred on a monthly basis as requested. In terms of any alleged debt, please forward copies of VALIDATION and see case XXXXXXXX XXXX XXXX XXXX XXXX as statements are not sufficient evidence. Financial Institutions do not loan anything, my endorsed ( signature ) application ( negotiable instrument ) is made equivalent to federal reserve notes and disbursed back to me in the form of a " loan ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NV

Complaint narrative:
I have attempted to resolve an incorrect reporting with the CRA numerous times and they have failed to DELETE an inaccurate account. They also allow the CRS to report on an account that has multiple inaccurate late pays and on an account that is at a {$0.00} balance and they don't even own anymore. This account XXXX XXXX was transferred to XXXX XXXX  as part of an agreement in XX/XX/2022 where XXXX bought all XXXX Extra Points accounts ( good or bad ) from XXXX. Yet, XXXX still reports this account that they own it and the CRA refuses to delete it. I am including a {$0.00} balance letter from XXXX that they own the account and not 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 2022-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I received a phone call from Wakefield and Associates ( XXXX ). They did not leave me a voicemail but because I am a debt collector, I recognized their name and called them back. They informed me that I had been turned in to collection for a bill from XXXX XXXX ( aka : XXXX XXXX XXXX XXXX ). This was considered pre-collect so I promptly paid the bill. I have never received written notice from Wakefield and Associates. I called them to let them know that this was paid and they have refused to give me more information so that I can submit proof of payment. I have requested email addresses and they continue to give me fake emails that get returned. They will not give me a billing address and they have not sent me any mail. They've informed me that this will get reported to the credit bureau. I've attempted to call the company where the debt originated and I am routed to their billing department outside of the country. I have paid this debt. I have proof of payment. But no one will give me an opportunity to provide my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1 ). This complaint is not a duplicate complaint of any previous complaints at CFPB ; and this complaint is the continuation of the previous two complaints with the complaint IDs XXXX and XXXX. 
2 ). I successfully paid the {$8400.00} to my American Express credit card in XX/XX/2018 ( the payment confirmation from XXXX XXXXXXXX is attached ) but American Express wrongly missed the payment ( the payment activities from American Express are attached ) and intentionally ignored all my disputes with that missed payment, and then hired several different collection agencies to harass me and wrongly added delinquency to my credit report. 
3 ). In its response for the complaint XXXX, American Express again provided fraudulent monthly statements to show that my {$8400.00} payment was not missed and was applied to my American Express credit card but ignored the payment activities I submitted in that complaint. Much worse, American Express falsely stated that we are unable to confirm the payment information on your online payment center, as we do not have access to your online account, but all those payment activities were from American Express, and I got them from American Express website on XX/XX/2018. Its weird that American Express provided the fraudulent monthly statements that do not comply with the payment activities and falsely denied it has access to those payment activities from its own system. 
4 ). Therefore, I hope American Express could be penalized for providing fraudulent monthly statements, wrongly missing my payment, intentionally ignoring all my disputes, repeatedly harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Residential Bancorp
State: FL

Complaint narrative:
I had my closing on XX/XX/2022, I received the Closing Disclosure ( CD ) from XXXX XXXX ( Loan Officer ) on Tuesday evening XX/XX/XXXX, after he had been promised to deliver the CD to my wife and myself on Wednesday XX/XX/XXXX, that's basically one week later, every day I called XXXX XXXX about sending the CD, He kept saying that I will send it to you guys in an hour, until that Tuesday evening on XX/XX/XXXX. 
When we finally received the CD, we reviewed it, everything ( the higher interest rate, exorbitant and unjustified charges, no buy down ) on the CD was completely different from what that was promised to us by XXXX XXXX and from what from what that was in the Loan Estimate. 
Our concern is mainly on the Closing Disclosure on the second page, under A. Origination Charges, # 1 where we are charged 2.25 % of Loan Amount ( points ) for a total of {$7200.00}, we asked XXXX XXXX why the fee was, he could not give us a clear explanation, he finally told us that, we are charged that fee because we paid 20 % down, which we thought was a bogus explanation. 
When asking XXXX XXXX to change that, he said if he send the CD back to the underwriter, we will not be ready to close on XX/XX/XXXX, us he also known that the builder was going to charge us {$300.00} a day until we are able to close, if we go in default of closing on the date provided. 
We felt like we were played and taken advantage of, we just want our hard working money back, especially XXXX XXXX put us on a very high interest rate 6.125 %, and that our attorney advised us to file a complaint before escalating the situation further. 

Thank you, if there are any questions do not hesitate to contact us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2022 I applied for a car loan from XXXX XXXX XXXX. Checking multiple sources my credit scores were on average about 690. I was denied from the XXXX which surprised me. I recently received the denial letter and it shows they reported my score at a 618. There were articles that Equifax confirmed they were sending out incorrect scores to lenders and I believe this is still ongoing as this score does not reflect where I am today. They are still causing people to suffer due to their inability to correctly provide credit info to lenders.

Company response to consumer: Closed with explanation