vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: CT

Complaint narrative:
I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, XXXX, and Experian refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.

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 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I do not consent to being contacted through anything but certified mail. If I receive any response other than certified mail rebutting all of the points made thus far, GOLDMAN SACHS BANK is knowingly and intentionally violating me under federal law. Every violation will result in a fine. I sent a CEASE AND DESIST Notice on XX/XX/23 and I am still being contacted. 

According to USC 1692 ( C ) ( a ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I never gave intended permission to GOLDMAN SACHS BANK or ANY third-party affiliate to contact me.

USC 1692 ( C ) 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 


A debt collector who fails to comply with any provision of the FDCPA is liable for : Any actual damages sustained as a result of that failure ; Punitive damages as allowed by the court : in an individual action, up to {$1000.00} ; or in a class action, up to {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less ; Costs and a reasonable attorneys fee in any such action. 

GOLDMAN SACHS BANK has still not provided me with ALL of the information listed below. 
The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor, if different from the current creditor. 
The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and GOLDMAN SACHS BANK, proving I agreed to pay the alleged amount knowingly and intentionally in wet ink. 
A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 
Proof of compliance with the truth in lending laws of the United States XXXX, title XXXX XXXX XXXX et. seq. and XXXX XXXX. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act, and it is your obligation to supply me with the aforementioned materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: TX

Complaint narrative:
Applied for {$1600.00} XX/XX/2023 did not see the crazy interest they are charging me every week and i can not stop the payment in my bank. 

Tried to talk to them to change frequency of payment and they wont help...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I received notice from XXXX of a collection from this collection agency of a debt from XXXX who was bought in XX/XX/XXXX by another debt collector and was included in the bankruptcy I filed on XX/XX/XXXX because I dont owe or never owed XXXX anything beyond my contract with them.They have opened an illegal account and placed this collection once again on my credit report and it needs to stop. I filed bankruptcy for relief from debt I dont owe, not to be recharged by other debt collection agencies and placed on my report to hurt my credibility. Vivint cant be reached by the CFPB as was stated in the case from XX/XX/XXXX which lead to being reported to FTC in the final resolution. I have provided proof of the original debt and the dates which were years ago not XX/XX/XXXX as shown on this bogus debt. I had no service with XXXX at that time, the contract had expired because it was completed. To this date this agency and other collections agencies continue to buy this debt and come after me. This needs to stop. It is not a valid debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian, I am writing to express my frustration and disappointment with your lack of response to my attempts to contact you via certified mail. I have tried several times to reach out to you, but unfortunately, I have not received any response. 

As a valued customer, I believe that it is important to have open and timely communication with your clients, especially when it comes to important financial matters such as credit reporting. I have been trying to resolve an issue on my credit report, and I have been unable to do so without your assistance. 

I would greatly appreciate if you could please respond to my certified mail and assist me with resolving the issue on my credit report. I understand that you may receive a high volume of requests, but it is important to me that this matter is resolved as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

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 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
This is regarding Venmo, I was selling furniture on social media and a buyer transferred money through a business account to a personal account. it froze the funds in the middle and Venmo advised me they could not release the funds until i paid XXXX in monetary fees and i would get my money refunded and the buyers back to her. I did that and now they are advising me that i have to spend XXXX dollars on a razor card and open a business account to release my funds and the buyers again. I have 2 nights of sleep over this and Venmo advised the buyer its my fault i wont follow direction and open this new account and i don't want the account, i don't own a business and i fell like I'm being pushed into something i don't want to have. This is unlawful and risky and I continue to ask the company to refund the money and they refuse to until i buy this card and open a new account they email and harasser me constantly telling me they are reporting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 my coinbase account was hacked. There were a number of abnormal changes to my account that occurred, including but not limited to : a new out of country ( XXXX based phone ) phone was added to my account, a new authenticator app, and a new password. During this time, the cash I had in my account was converted to crypto and sent out. When I realized what had occurred I reached out to coinbase. It took me, over 24 hours and photo authentication to get into my own account. Following this, I have not been contacted by anyone to discuss the specifics of my case. Over {$85000.00} was taken from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My wife XXXX XXXX XXXX and I both have cards from American Express. 
Recently we BOTH received marketing offers from American Express on our respective credit cards. 
The offers were quite clear. 
Spend {$150.00} or more at XXXX XXXX in store or online and receive a {$15.00} statement credit. 
We EACH did this. We each spent {$170.00} on our respective cards at XXXX on XX/XX/23. 
We did not receive the {$30.00} ( {$15.00} on each card ). We received nothing. 
We spent hours on the American Express chat with different reps and even a supervisor and they all had a myriad of excuses as to why we did not receive the promised cash bonus. 
One rep theorized that it was the way XXXX XXXX chose to report the sale ( XXXX ) to American Express. Possibly this was a fraudulent scheme by XXXX to negate the need to pay marketing bonuses. 
Our respective credit card billing statements are crystal clear. 
They show the merchant to be XXXX CO XXXX MN and the XXXX phone number. 
Subsequent to our first complain American Express posted a {$15.00} courtesy credit to my wife 's account ( XXXX ) but did nothing for me on my account ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My ex and I moved into a apartment she kicked me out within a day after we got all the furniture and the furniture I got under my name that Im in debt {$6200.00} for I dont have she does so basically Im paying for something she has cause its in my name and I need this off my credit report asap so I can do what I need to do but I cant do that because this keeps bringing my credit down I was at XXXX credit score now Im in the 400s this needs to be resolved somehow and I hope someone would be able to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
I received a collection debt from a company name Capital account LLC debt collector. For the amount of {$78.00} In behalf of XXXX XXXX XXXX XXXX I have never been at this clinic, I have never incurred in this debt Iam concern about this situation, and I need to straighten this up. 
Thank you for taking the time to help me clarify this issue. 
Kind regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: VA

Complaint narrative:
Account has been fraudulently opened with my email address and name. However I am unable to report the fraud to Bank of America because they require the account number to speak with a representative. I do not have an account number since it was sent to the person committing fraud.

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
For background context, I recently had a serious medical/dental issue and needed to pay for a very expensive dental procedure. 

On XX/XX/2023, I called Truist to ask about a payment deferral to take care of my immediate medical expenses. I was told by the rep that I qualified, as I was in excellent standing and had had the loan for over a year. She told me to expect an email from Truist with my deferral agreement no later than XXXX XXXX Monday, XX/XX/2023, and to call back if I didnt receive it. As of XXXX XXXX Monday XX/XX/2023, I hadnt received the email, so I called back. I asked if it could be sent to me while I was on the phone so that I could verify if I got it. I was told no. I said okay, to be honest, if I didnt get the first one Im not sure Ill get the second one anyway, as this is clearly an issue with their email server. I asked if there was an alternate way to get the document- via fax or postal service. I was again told no. I asked why I couldnt just receive it in the mail and was told it had to expire, which made no sense considering I was asking for a different method. The rep refused to tell me how long it would take to expire and what my next steps should be. 

I hung up and called back, getting a different rep. This one talked over me, talked down to me, and would not let me ask a question. He kept repeating something along the lines of maam are you going to work with me as a team? Just repeatedly saying that over and over and refusing to allow me to get a word in or ask my questions. He finally said he could mail it, but would I be willing to wait ten days? I asked for some clarification on the ten days - did that mean I would receive it within ten days or did that mean I had to wait ten days and then call back to resubmit my request? He refused to answer the question and kept asking his working as a team question. I dont need to work as a team for these people ; they already are a team, and their job as a team is to assist me, which they did not. 

I ended up ending the call and was so upset over the incident I began to cry. I was trying to do a very simple thing and asking basic questions, and instead of being helped I was being spoken to like a bad child. I called back a third time and got a different rep who finally agreed to mail me the agreement. 

However, later on that night I went online and realized I could file a request there. I did so, which also raised a red flag. If they had actually processed my request, why did it not say it was already pending and not allow me to submit a new one? Less than 12 hours after submitting it, I got the email from the automated system - the automated system responded to my request better and faster than actual human beings. That is a serious flaw with Truist 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 explanation
Consumer complaint received 2023-04-19 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX23 I was alerted by message from Comenity to hat there was suspicious activity on my account of charges for {$.00}. They asked if these were my charges and I replied no. They replied there was nothing further for me to do on my part and they were closing my card and issuing me a new one. I did on that day try to call anyway to make sure all was ok but for several hours the calls just kept disconnecting on every prompt I pushed for a representative. I received the new card and no billing statements so I assumed all was ok and the fraud charges were removed. Today, XXXX23 I received a credit alert that there was a report of a delinquent account..Comenity! For a total of {$45.00}. I logged in online and was able to see the charges. They are broken down as such ; XXXX23 10 separate charges for {$.00} each XXXX23 late fee of {$9.00} XXXX23 interest of {$2.00} XXXX-23 late fee of {$21.00} XXXX-23 interest of {$2.00} I tried again today for over 2 hours to contact them and the same thing! Disconnected over and over! I sent an email and attached the message alert with confirmation from XXXX-23. I also sent a written letter out today and disputed the charges with full explanation, in writing.

While looking up the address I saw where I had 60 days from the date the charge was made to dispute but I did verify on that exact date that it was fraud and was told I didnt need to take any further action. Although I did try but was unsuccessful in calling. I was unaware the charges still existed until today when I received the credit alert. I also saw in that same literature where Comenity can not report you delinquent to credit agencies if there is a charge in dispute. They had proof from XXXX-23 that the charge wasnt valid because it was confirmed when they closed the card and sent me a new one. They should have never reported me delinquent to credit agencies. 
Important **** the card number listed is the old card number. The new one ends in XXXX but I dont know the full number because I have not activated the new card and put it away. The number that will be listed in the card number section will be The old card number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of fraud with the Bank of America Edd XXXX debit card. On Monday XX/XX/2023 when my benefit payment went through somehow my debit card was duplicated along with my pin number and my account was emptied from an ATM. I called Bof A and reported it immediately. I waited 9 days for them to complete their " investigation '' with no possible way to get any kind of access to my funds. I was told a new card was sent a week prior and that I should have received it by now. I never received anything so I asked them to please send me another card in hopes to prevent further fraud. On Tuesday XX/XX/XXXX ( 15 days later ) I finally receive the new card. I activate it and head to an ATM to finally pull out some cash only to be declined. I call answer all of my security questions and still I am denied access to my unemployment insurance. So ultimately what I have gathered is that Bank of America will hand your money right over to criminals but refuse to give the Unemployment " insurance '' funds to who it belongs to.

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 2023-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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