vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit 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: WA

Complaint narrative:
This is regarding XXXX XXXX ( charged {$650.00} out of {$1300.00} on XX/XX/2023 ). 

This dispute is for XXXX of the XXXX charges associated with the same online Apple order # XXXX ; the other charge, the first charge out of the XXXX, is the transaction in dispute in apple card Dispute XXXX ( charged {$740.00} out of {$1300.00}, on XX/XX/2023 ). 
Thus, this {$650.00} is the other half of the {$1300.00} amount charged by Apple associated with the online Apple order # XXXX ( see page XXXX of this letter screenshot of the apple order showing {$650.00} credit was given at the time, which apple is now charging ). The {$650.00} credit was given as part of a trade in program but the credit was applied to XXXX XXXX order # XXXX. But as I stated in Dispute XXXX ( disputing the first half, {$740.00} of the XXXX ) I RETURNED THE APPLE XXXX FROM THE ORDER so there should be no reversal or charge related to the trade in credit which is the reason apple charged me {$650.00}. I returned the XXXX XXXX XXXX XXXX XXXX in the XXXX order so ALL of the {$1300.00} should be refunded to me, including the {$650.00} from this dispute ( XXXX ) and the {$740.00} from the Dispute XXXX XXXX 
Please see page XXXX of this letter where I attach the XXXX prepaid return label that apple gave me. 
Please see page XXXX of this letter where XXXX tracking shows it was received by Apple. 
Please see page XXXX of this letter where the Apple representatives confirm over text the warehouse has received the merchandise return and also see page XXXX where I filed the police report they told me to because apparently their warehouse lost my return because XXXX says it was received by Apple. 
SEE PAGE XXXX where the apple representative tells me the {$740.00} + the {$650.00} instant credit will ALSO be refunded. 
I am owed the {$650.00} in this dispute XXXX and the {$740.00} in dispute XXXX, because BOTH are charges related to the same Apple order WHICH I RETURNED TO XXXX on XX/XX/2023 WELL WITHIN THEIR RETURN WINDOW. 

I am filing this complaint against Goldmans Sachs because Apple should NOT have been able to charge me even more money for the same order I put in dispute, and I told goldmans to put both of these transactions in XXXX dispute but clearly goldman is not taking my word for truth because I am XXXX and have XXXX last name, discrimination against me will not stand, the XXXX tracking shows apple received my return XXXX tracking says Signed for by : A.PPLE and it is Apples own prepaid return label that directed this delivery of the return. If their warehouse lost it, it is not my problem or fault. My money is still owed to me under the XXXX for my proper return. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I filled out the paperwork I received back in XXXX and mailed it back to figure out a way to fix the past due payments. I have paid at least one month of my mortgage every month during this time. i never heard anything back. I have been in another state for 4 months and when i returned today my daughter tells me they didnt accept the payment she made friday. We scheduled a new payment for the monthly mortgage amount for next week and another full month for 2 weeks after but i still didnt hear back and when i tried to log into my account today its locked out. I dont use a computer on my own so i dont know how long its been locked. I have all my mail from when i was gone and they didnt send anything back regarding the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HomeTown Lenders, LLC
State: OH

Complaint narrative:
We completed a VA appraisal ( {$620.00} ) on XX/XX/2023 for Hometown Lenders Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX & XXXX, XXXX, AL XXXX through the VA for XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. We also did a compliance inspection ( {$150.00} ) on XX/XX/2023. The company never paid us for either invoice. They owe us $ XXXX {$50.00} late fees= {$820.00}. They closed the loan and never paid us. They were contacted XX/XX/2023, XX/XX/2023 and XX/XX/2023. I finally spoke to XXXX XXXX ( XXXX ) XXXX on XX/XX/2023 and he advised he was no longer with the company and good luck getting paid as they did not pay him his final paycheck. I have contacted them through email with no response. Their phones are disconnected. VA suggested I contact you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
I owe a debt for a fitness club. The agreement was defaulted on by myself and sent to a debt collector ACSI. The called stating that they charge interest daily so I need to pay soon. This is illegal. The original agreement with XXXX ( XXXX XXXX XXXX XXXX ) had no mention of interest. It was a flat rate agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from Navy FCU Finance two on XX/XX/2023 and one onXX/XX/2023 and XXXX XXXX XXXX  onXX/XX/2023. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to close this account multiple times, calling the customer service number XXXX. Optum Financial suggested I was not who I was with multiple security features. They had me mail a form requesting account closure, done in XXXX of XXXX. I never activated a XXXX XXXX. Optum used various customer service agents to manipulate red tape to hinder me from closing the account. Now, they have collected every dollar in junk fees and paper statement fees, which I never opted for. 

Please see the evidence attached for dates of occurrences. 
Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX day, my wallet, phone, and a couple other items for stolen by a family member. I had to order a new phone and during the days that I was without a phone, I was unable to check my bank account or get any notifications regarding my account and this family member was making it a whole bunch of fraudulent charges the day I receive my new device I immediately call Citi Bank reported my card stolen, filed a dispute. They denied the transactions only two days later I believe so I called back, resubmitted the dispute. I was notified today, that I would not be receiving a provisional credit because my pin number was used in some of the transactions which my pin number was my grandmas birthday, who just recently passed away, and my cousin was who stole my wallet in my purse and everything and of course, he knows what my grandmothers birthday is, but they went ahead and permanently gave me a credit for all the credit transactions so those disputes with resolved in my favor but pin based transactions were all denied

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was recently denied a business line of credit due to too many inquiries. After carefully reviewing my credit report for all bureaus I noticed MANY concerning inquiries on my report that I NEVER authorized and has to be someone using my information without my consent. Please help me get this matter handled at your earliest convenience. Thank you very much in advance.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was recently denied a business line of credit due to too many inquiries. After carefully reviewing my credit report for all bureaus I noticed MANY concerning inquiries on my report that I NEVER authorized and has to be someone using my information without my consent. Please help me get this matter handled at your earliest convenience. Thank you very much in advance.

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/23 i recorded a promotional balance transfer from XXXX XXXX  ( another credit company that I have a credit card account with them ). I performed this balance transfer of {$130000.00}. XXXX XXXX  XXXX a check to my M & T Credit Card and charged me a balance transfer fee. At that time of the balance transfer my balance on the M & T credit card was only about {$1100.00}. Once the balance transfer went through and settled my M & T credit card had a negative balance because of the overpayment. I contacted M & T lending office and asked them to transfer my over payment of about {$11000.00} to my M & T checking account. They stated we can not do that and we will send the original payment from XXXX back to them. Although this is not correct and the overpayment is my money I agreed to that. But its been 18 days and they still holding my money. I have contacted them numerous times to resolve this issue but every time they just apologize and stating we will send an email to the back office. Please help me to get my money

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 2023-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX. Early this year. I opened a checking account in person at TD Bank XXXX XXXX XXXX XXXX  with a flyer of XXXX XXXX The person who helped me open the account told me that I would get the bonus and she wrote an email to the department to confirm. 
XXXX. I have completed the direct deposit requirement within the time frame and I confirmed with the banking agent several times on the phone to make sure I can have the bonus. 
XXXX. The agents constantly told me to wait 180 days. 
XXXX. By the end of 180 days, I didn't get the bonus. So I called the agent again. The agent helped me send a secure message to the department. 
XXXX. Received a message saying that I am not eligible for the XXXX $ but they can give me XXXX {$6.00}. Asked me to wait XXXX weeks XXXX. After XXXX weeks, no bonus...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am nearing the end of my lease and am looking at other car brands as a next option. However, I have tried to move forward with new deals at multiple dealerships and been unable to because Southeast Toyota Finance will not allow a non-Toyota dealership to pay the lease payoff amount. This adversely effects what I am able to do and limits my only options to Toyota. There is no language in the contract that states SETF may prevent third parties from paying the lease payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly review the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently on time with payments, yet they are inaccurately reported as late.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a problem with Experian and the other credit bureaus. They are not updating my current credit information for XXXX. I called and asked them to check with my XXXX XXXX XXXX and Nordstroms account which they have marked as late. They were not late and I have the statements and are both paid off. I have the statements to prove it. 

I also have a car loan with XXXX  and other credit cards which have not been updated with the correct amount owed in 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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
After filing my initial complaint, the bank retaliated by closing my account and restricting access without notification and justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my XXXX XXXX over XXXX points on all XXXX credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit 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 non-monetary relief