vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 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: NV

Complaint narrative:
I have sent in numerous times to have this information blocked and this company continues to report this harmful information on my credit report Ive sent in my identity theft report as Ive stated I dont know who this information belongs too. I have been a victim of the equifax data breach. This information is not allowing me or family to be able to move on both bureaus removed this information except exquifax. They have also made it to where I can call in an report the inaccuracies or even state my behalf I feel this is not fair. 
XXXXXXXX XXXX collections Should not be able to do this to me According to facts 605B these items must be be blocked until the investigation is completed by the FTC Ive filled a civil Litigation against exquifax for Unauthorized and fraudulent accounts on my consumer report. I have also filed complaint with the cfpb as I await my court date for deceptive practices by this credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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:
XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXXXXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( Removed and re-inserted, violated F.C.R.A. law ) Reported : XXXX XXXX, 2021 {$300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent a dispute letter to all 3 bureaus asking them to dispute some unknown and unauthorized inquiries on my credit report. I sent the letters on XX/XX/XXXX. I have yet to hear from them in regards to my disputes. The credit companies are not complying with their own policies in a timely manner and I am asking for you help to get a response from the bureaus as well as deletions of inquiries in question. 

Company : Factual Data - Date of Inquiry : XX/XX/XXXX - All three bureaus Company : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX - XXXX XXXXXXXX : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: IN

Complaint narrative:
I have contacted experian via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but it has yet updated from 2019 of " last payment status '' Each account has a XXXX balance and no payment history. 
# XXXX last updated status XXXX of 2019 # XXXX last updated 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I had an individual by the name of XXXX XXXX send me an email from using the company name XXXX XXXXXXXX XXXX in regards to a loan they stated that I was approved for {$1000.00} loan. They asked for all of my identifying information they didn't ask me for my banking information. However I was hesitant and giving them my banking information because I felt it was unusual that they were asking for my username and password the representative then told me that this was normal procedure for them to ask for this information. With hesitance I did provide them with my banking information and unfortunately they had taken money out of my account and they filed fake claim dispute against merchants that I had already paid. The bank then provided my bank account with provisional credit. I then I spoke with the XXXX about the transactions that had taken place with the provisional credit the XXXX stated that they had made a negotiation with my bank and they paid for those transactions themselves however unbeknownst to me it was found out that they had use that money to fund the XXXX dollar loan and had and has stolen {$400.00} out of my account that was already in my account with that being said I try to file a claim dispute myself and cancel those claims that with me my bank This fictitious company had stolen my money the bank charged me and now is negative. would like to know what can I do to get my {$400.00} back and to get my account and find out how to and would like this individual found press charges against her. They also told me sent XXXX via XXXX. 

The amount that was from Chase $ XXXX amount that was taken from me was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
XX/XX/XXXX Re : Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC XXXX Through countless efforts, our issues with Shellpoint Mortgage Servicing Company, are ongoing, and have never been resolved to this day. As a last resort, on, XX/XX/XXXX, we filed a formal complaint with the Consumer Financial Protection Bureau. At which time, on, XX/XX/XXXX, Shellpoint responded, and offered a 30-pay pay-off. Unfortunately we were unable to acquire funds to facilitate that time frame. We reached out and spoke to XXXX on XX/XX/XXXX, and were granted a 30-day extension. 

On, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, we received letter from Shellpoint, stating, due to the complex nature of the matter, Shellpoint respectfully requests additional time to respond fully. When in fact, the extended offer stated, In review of your settlement offer, Shellpoint is willing to settle the loan in full within 30 day at 90 % to 95 % of the current payoff balance. Per the enclosed payoff quote, the payoff balance is {$37000.00}. 

In pure frustration, on XX/XX/XXXX, we paid Shellpoint in full, the full payoff amount of, {$36000.00}. To our surprise, Shellpoint did NOT honor their settlement offer of, 90 % to 95 % of the payoff balance. 

On, XX/XX/XXXX, we received a confirmation letter from Shellpoint stating the loan has been paid in full. 

As of, XX/XX/XXXX, Shellpoint has never released the lien on our property, and our Credit Bureaus have NOT been updated to reflect the loan at a XXXX  balance, or that the loan has been paid in full. 
Utah requires the lien release be filed within 10 days ; In Utah, a lien claimant is obligated to record a Release of Lien once the lien claim has been satisfied, if a request is properly made by a party with an interest in the property. The release must be filed within 10 days from the date of the request. XX/XX/XXXX XXXX XXXX XXXX XXXX sent that request to Shellpoint along with the pay-off on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover Card. I settled a Discover card debt with a debt collector XXXX XXXX XXXX XXXX XXXX working for Discover on XX/XX/2020. I paid via XXXX XXXX money order in the amount of {$280.00}. I need a tax form ( 1099-C ) from Discover for the settlement account with correct settlement date reflected on it. I have been in contact with Discover ; however, they issued me another one that showed againXXXX date instead of XX/XX/2020 on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase has opened 2 checking accounts without my authorization the first debit card was received on XXXX which I called and was told on the phone that the account was fraudulently created and that they would flag my personal information and cancel the account. Then on XX/XX/12 another debit card was receieved ( different number ) calked to report after 36 minutes on hold call was disconnected and secind call placed. Very concerned that Chase is allowing creation if new accounts without customer approval or awareness. Also not alerting they have a fraud issue if that is the case causing this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
To whom it may concern : ( Regarding : Goldman Sachs Apple Pay scam ) Dear Sir/Madam : I have an Apple Pay account which is custodially managed by Goldman Sachs. 
As of today XX/XX/2021, my official and current balance for my Apple pay account is exactly {$.00}. 
Today XX/XX/2021 XXXX I saw a payment from my bank checking account toward my Apple pay account for {$1200.00} which I did not authorized. 
I used the Apple Pay app to Report a problem with todays {$1200.00} payment which connected me via Chat to a rep that might have been oversees. 
The representative was not helpful ; the individual didnt notice or didnt care my balance was only {$.00} which I pay monthly for Apple XXXX storage. The individual didnt notice not only was this transaction attempting to remove {$1200.00} from my bank checking account but it also simultaneously gave me a false balance on my Apple pay account of owing the same {$1200.00} to Apple. Which basically Goldman Sachs is attempting to fraudulently steal {$2500.00} from me. 
The individual only help was that I must have signed up for automatic payments ( which I did not, I had removed automatic payment, but Goldman Sachs erroneously reinstated it. ) then the individual provided a paragraph of legal language and asked me to agree to it so he/she can remove the transaction. I told the individual via chat I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me a balance of {$1200.00} on my Apple pay account. The individual refused addressing the issue and only repeated he/she only wanted to confirm I Agree which I did not confirm. I only repeated what I previously stated. I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me an erroneous balance of {$1200.00} on my Apple pay account. 
The individual continued to insist that I agree at which point I decided to not response anymore. 
The cause of this issue is Goldman Sachs makes it extremely difficult for consumers to pay off their Apple Pay debts quickly. The payment structure attempts to tie consumers to automatic recurring payments and does not allow consumers to make one-time/one-off payments. Without the recurring payments it obviously prevents Goldman from collecting massive interests if consumer defaults or have some other issue. Please help STOP this Scam from Goldman Sachs against consumers. I am now unable to pay my {$.00} cent balance because their system is saying I paid {$1200.00} so by the time this is fixed I would have not been allowed to pay my real balance of {$.00} cent and this will effectively put me in default which they will then have their way in sabotaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Im very upset with this matter. I sent a letter regarding inaccurate information on my credit report causing my credit score to drop 134 points. In till this day over 45 days later I still havent received a response. I did my research and I know the credit bruros have 30 days to respond says section 611. I feel violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Im very upset with this matter. I sent a letter regarding inaccurate information on my credit report causing my credit score to drop 134 points. In till this day over 45 days later I still havent received a response. I did my research and I know the credit bruros have 30 days to respond says section 611. I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had made a purchase on my card and I was told by the dentist that it is deferred interest and that I would not be charged interest if I pay off the entire amount. I understood that whatever balance was left they would charge interest. The initial charge was $ XXXX and my balance was now {$900.00}. They charged me over {$400.00} in one lump sum in interest for the {$900.00}. I asked them about it and I said so basically if I even only owed {$100.00} you would still charge me {$400.00} for deferred interest? They said there are some exceptions that can be made. When I asked if they can reduce the {$400.00} since I have paid over half of it they said no. 
This was is called a promotion. So now hearing this I have another promotion that will end in XXXX with a balance of {$370.00}. I made a payment last month of {$150.00} so I can pay off the {$370.00} before XXXX. Then I called to get my balance, and noticed that the promotion balance was now showing {$310.00}. I asked them why it was only showing that amount and where did the other {$100.00} go? They said I would have to call in and allocate my payment to be applied to the promotion. Something else I was never told.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: IN

Complaint narrative:
I have contacted equifax via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but has yet to send me anything. I have not received any information on these 2 accounts any information when it initially went on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I bought an electric appliance about two years ago at XXXX XXXXXXXX XXXX XXXX. I bought the item on credit because their was a promotion at the time of 24 months of no interest if paid in full before the promotion expired. I have since then have paid my bill on time and never had an issue. Late XXXX of XXXX..going into XX/XX/2021, I came down with XXXX XXXX along with my family. We were in quarantine and very ill and even needed medical attention. At the time, I did not realize that the promotion had expired in XXXX and the company added all the back up interest that had accumulated for two years. I called the company in XX/XX/2021 asking if they can please give me a courtesy and to waive the interest and Ill pay the balance I owed to cancel the debt. I was told that their was nothing they can do over the phone and that I had to submit a written statement to corporate. I wrote my statement and sent it thru fax and mail. I finally received a response via mail this month ( XX/XX/2021 ) explaining to me that my only option was to go thru a third party non profit company to see what were my payment options. I called yesterday XXXX XXXX and asked to speak to someone in corporate and I was told that wasnt an option because their is no other way of getting in contact with them other than via mail as I previously did with the written statement.

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