vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Around XXXXXXXX XXXX XXXX, I saw a video ad on social media that peaked my interest. I was going into the insurance business and it was a dual funnel system to generate leads for me. I thought, great, if this program works to generate leads for me I dont have to buy any from sketchy vendors, nor chase leads as the program said helps to reduce. I set up a call to learn more. I got on the call XX/XX/2022, the salesman said that I would have a personal mentor who would help me set up the program to generate leads and that I would make {$30000.00} per month. I purchased the program, paying half, {$3900.00}, at the moment and the salesman did not mention when I would have to pay the rest, but that he wanted me to see the program and swore on religious practices that it would be helpful. He also mentioned that if the program was not a good fit, that I could withdraw and receive a refund. 
AFTER they charged my card, they sent me a docusign, which he said I had to sign, which was the terms of service. Out of good faith, I signed. I got access to the program. 
I then saw that they were all modules, it was a classNOT a program that would generate leads for me. I had to do it all. 


I was deceived into making a purchase for a service to generate leads for me. The sale was over the phone in which no payment plan details were given nor was a receipt stating what it was I was actually purchasing and I paid half of it in the moment. I started the program I purchased, and it was not as agreed or described by the salesman. 
I used my Apple Card. 
I requested to cancel with the merchant the following week, given that the salesman on the phone said I could if the purchase didnt fit my needs. I talked to the salesman on the phone, he said he would talk to his higher ups but that he wanted me to really give it a chance. He also said that I would not be charged for the other half of the price until we came to a resolution. He never got back to me, the following month I was charged the second half, and then began the dispute with Apple Card. 
The dispute has now ended a few times not in my favor. Multiple times I have submitted emails showing that the merchant stopped responding to me on multiple different occasions. Goldman Sachs/Apple Card is not even looking at my evidence nor considering it. I do not feel heard at all by Goldman Sachs/Apple Card with my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: KY

Complaint narrative:
EQUIFAX RE : XXXX XXXX XXXX  XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has been paid for my XXXX card balance. I have mailed a check per their request and they have cashed it on XX/XX/23. They refuse to update the account to the creditors and still reflect this balance. I have called them over 20 times. No one answers because their automated system will only recognize open accounts. Their chat agents refuse to help. Routing me to the same numbers. This has been preventing me from buying my first home.

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 2023-08-07 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: GA

Complaint narrative:
Your capacity to erode my faith in the banking system greatly concerns me. The integrity of the banking system relies on fair and precise consumer reporting, as outlined in accordance with 15 USC 1681 ( a ) ( 1 ). I have observed entries on my consumer report that warrant attention.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Date - XXXX / Amount - {$360.00} / Violations of 15 U.S.code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. 1681 ( b ) Permissible purpose / 15 U.S. Code 181 C-2 / 15 U.S. Code 1681i For reinsertions/ Legal document letters of Cease and Desist / Harrassment / Trademark Infringement were sent, issued to company/agency/ Never was given proper legal Notice of debt within 5 days/ Never was sent the name and address of Original Creditor/ Never sent a statement informing me they were assuming the alleged debt to mine. Illegal third party debt company without permission reported fraudulent negative alleged debt / personal information to all 3 credit bureaurs XXXX, XXXX, 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 2023-08-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit card debt was already settled with Fifth Third Bank on XXXX of 2018. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing the below disclosure, FIFTH THIRD BANK, NA still has not deleted/removed the old and closed information from my report : FIFTH THIRD BANK, NA Acc # XXXX. 
Late Payments : XX/XX/2018, XX/XX/2018, XX/XX/2018. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have no idea about this account that was already charged off and I have not supplied proof under the doctrine of Estoppel by silence Engelhardt vs Gravens ( mo ) 281 sw 718,719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: TX

Complaint narrative:
I recieved a notice in and around the second week of XXXX of 2023 from Phillips & Cohen Associates , Ltd . Claiming that I owe an alleged debt to PCA Acquistions V LLC. 
I have never done business with them at all. I have a dispute letter that I will send to them via mail. I have questions for them regarding the alleged debt and question its validity, I need proof of their claims. 
The alleged debt amount is : {$5600.00} I will attach what they sent to me in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
I have sent a Notice of Error and Appeal to the lender, they have not responded and are moving forward with the foreclosure auction sale in violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was being charged for " data time '' for which I was trying to recover a hacked account. The scammers used CashApp as well as XXXX and other platforms to scam me with the promise of doubling my money, which was never what I was looking for. I wanted to recover my hacked account. It turned into holding my money as hostage against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to describe a distressing situation that occurred today, XX/XX/2023, at approximately XXXX XXXX  EST. I was attempting to deposit {$300.00} into my Capital One checking account ending in XXXX using an ATM located at the bank entrance in XXXX, New Jersey. During the deposit process, my money became stuck in the machine. 

Two employees of the bank, XXXX ( a XXXX woman, aged between XXXX years ) and XXXX ( a man of XXXX origin ), approached and were made aware of the situation. Despite acknowledging my predicament, they unfortunately stated they were unable to assist me and instructed me to call Capital One 's customer service department for resolution. 

Acting on their advice, I immediately contacted Capital One 's customer service, explaining the situation in detail. However, to my dismay, the customer service representatives also refused to return my funds, leaving me with a loss of {$300.00} with no immediate solution provided.

I am seeking your professional advice and assistance to resolve this matter. I am hoping for a full refund of the lost funds from Capital One bank. I trust that this can be resolved amicably, however, I am prepared to take legal action if necessary. 

Thank you for your attention to this matter, and I look forward to your guidance in this distressing situation.I have proof of videos and pictures. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Not in contract with this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I filed bankruptcy 2018 was told could not include student debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
1 ) Between the months of XXXX XXXX, I made an over payment to my XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$950.00}. 
2 ) On XX/XX/XXXX I relocated from : XXXX XXXX XXXX, XXXX, VA XXXX and relocated to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
3 ) In XX/XX/XXXX, I contacted Comenity Capital Bank in reference to receiving my new XXXX XXXX XXXX issued by Comenity Capital Bank and during this telephone conversation the Comenity Capital Bank Customer Service Representative told me that I had a credit of {$950.00} and placed a dispute on my behalf, in order for me to receive my credit of {$950.00}. 
4 ) In XX/XX/XXXX XXXX XXXX XXXX issued me a refund check in the amount of {$950.00}. 
Note : To date, I've not received a refund check nor have I cashed a refund check from XXXX XXXXXXXX XXXX in the amount of {$950.00}. 
5 ) On XX/XX/XXXX, XXXX  XXXX XXXX stopped all XXXX XXXX XXXX transactions. 
6 ) In XX/XX/XXXX, Comenity Capital Bank took over issuance and servicing of the existing XXXX XXXX XXXX from XXXX  XXXX XXXX. 
7 ) In XX/XX/XXXX, a Comenity Capital Bank Customer Service Supervisor instructed me to contact XXXX XXXXXXXX XXXX in reference to {$950.00} refeund check issued to me from XXXX XXXX XXXX. 
8 ) A XXXX  XXXX XXXX supervisor told me that XXXX  XXXX XXXX had no records of my XXXX XXXX XXXX XXXX and that everything XXXX  XXXX XXXX had involving the XXXX XXXX XXXX XXXX  program was provided to Comenity Capital Bank to include all the historical records and the issued refund check. 
9 ) The XXXX  XXXX XXXX supervisor also told me that Comenity Capital Bank could verify that the refund check was not cashed, perform a stop payment on the refund check and re-issue me a refund check and that it shouldn't take Comenity Capital Bank months to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I had ordered an XXXX Laptop and it didn't arrive when it was supposed to. Affirm scheduled payments for me to start making payments and I hadn't received the merchandise. I called Affirm and asked it they could change the due date on the loan as I hadn't received the laptop and wanted to make sure it did, indeed arrive and in good working condition. I was told that is too bad, they aren't changing the due date and that they really don't care if the laptop arrives or not, for me to call XXXX and find out what's going on. I said I ordered through your website, not XXXX and if you distributed funds to XXXX that you want me to pay back, isn't there a supervisor or someone that can find out where my laptop is. I was transferred to a supervisor that basically told me the same thing. Too bad if you never received the merchandise. You need to make payments on it whether you received it or not. I have since received the laptop. Second complaint about Affirm is that although I disabled and removed my debit card from my account, they went in this morning and helped themselves to {$290.00} from my debit card that I had disabled on their website. I did not authorize this transaction. I will file a dispute with my bank tomorrow as they need to wait for it to post to open a dispute. It scares me that they took money that I didn't authorize and also that they still list it as being delinquent. They appear to be a predatory lender and have positioned themselves with XXXX, XXXX and many other companies as a way to buy now, pay later. I am in sales and sales are at a historic low. I am trying to keep afloat financially and have nothing set up on auto-pay as I don't need anything to bounce. Please look into this as from what I am seeing on the Internet, Affirm does this quite frequently and this has to be against lending laws and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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