vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The loan was for the amount of {$1200.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I used my GM ( Marcus-Goldman Sacs Card ) to purchase tickets to an event on XXXX XXXX XXXX XXXX I waited till the day before like the email said to, that came directly from the vendor XXXX, XXXX reached out to XXXX because it was getting close to the time of the event, it took 5 calls to reach a person who told me they had up to the time of the event to provide tickets for transfer so the next day we went to the event at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sun XXXX XX/XX/XXXXXXXX XXXX XXXX were still hadn't received the transfer and could not reach anyone at XXXX. I had to repurchase a second set of tickets to see the show and take worse seats than I originally purchased, I sent emails to XXXX and called there support line repeatedly for a month with no resolve, So I disputed the charge as the credit card company told me they would protect me and that as long as I had proof that I had been attempting to fix it with XXXX they would credit my account and investigate, then in XXXX the credit card company reversed the charges back to my card said I had inadequate proof that I hadn't received the tickets, so I called and sent them emails I sent to XXXX, sent them the tickets I purchased from XXXX and the copy of the tickets I had bought to replace the tickets I never received. Finally I received an email from XXXX with a link to print the tickets on XXXX for an event that happened on XX/XX/XXXX, so I forwarded this to GM Card and they still sided with the vendor. Here it is XX/XX/XXXX and GM card refuses to fix the issue even with adequate dated proof and reported it to the credit bureau as derogatory. I have never, ever missed a payment or had a balance that wasn't taken care of monthly, my account has always been good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grow Credit Inc
State: FL

Complaint narrative:
The loan was for the amount of {$37.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My complaint is against American Express, specifically relating to a refund owed to me for an unused portion of an annual fee. 

Briefly, Amex charged my Business Platinum account ending in XXXX an annual fee of {$690.00} on XX/XX/XXXX. This account was later closed on XX/XX/XXXX, a personal account ending in XXXX having been opened weeks prior. I was assured that accumulated miles would be transferred from the closed business account to the new personal account ( they have been ) and that I would receive a refund of the unused portion of the Business Platinum annual fee -- I have not. 

I had telephone communication with XXXX representatives of Amex on XX/XX/XXXX. Amex claims a policy that in essence places a burden on the credit card holder to notify them within 30 days that the credit was not received. This, of course, is not possible as one needs to await a full cycle ( or XXXX ) of credit card billings before one can know for certain that the credit has not been applied. 
I believe that I am owed the unused portion of the charged annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX experian XXXX XXXX  i need all closed accounts and inqurys remove from my report and statements remove as well i am not in the military and never have been i need old address remove

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased 3 Visa Vanilla Gift cards totaling {$1200.00} ( XXXX of {$500.00} and XXXX of {$200.00} ). None of the cards worked when I attempted to use them. Not a single transaction was successful and when I called they said the cards were defective and they would have to mail replacements. This call was made on XX/XX/2024. I was promised the new cards would arrive within XXXX business days. This did not happen. I called again on XX/XX/XXXX and they said it would take at a maximum 10 days, which wouldve been the XXXX. It is now the XXXX, and they are not here. I called again today. They kept pushing it back even more. They now say to wait up to XXXX business days. This is unacceptable. I escalated the call to a manager. They said all I could do was wait unless I wanted to cancel that replacement and order a new one, which would just restart this whole process. They are unable to issue a refund or a virtual card to my email address. They said the best they could do is an internal investigation which could take up to 30 days. I refused. I feel as if I have been XXXX  and lied to. I purchased those cards so I could use them right away and Vanilla Gift has taken my money and offered no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
NewRez failed to apply my payment to my account even though the check show as processed. 
XX/XX/2024 - check cleared / Newrez Processed on XX/XX/2024 Check Number XXXX XX/XX/2024 - Check cleared / NewRez Processed on XX/XX/2024 Check Number 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 2024-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: NY

Complaint narrative:
I was alerted to a loan being opened in my name when Michela started sending me invoices. I called immediately to discuss as I have no student debt and am XXXX XXXX XXXX, not a student, do not have college age children and am not supporting anyone in college. I filed a police report in XXXX XXXXk XXXX where I live. I have called XXXX 5 times and sent two emails. I am able to talk to a general operator but in order to resolve the fraud I need to get transferred to the Resolutions Team where you leave your number for a call back. I have never received a call back. NOT ONCE. I have asked to wait for an available Resolutions Team member but they say that is not an option. Meanwhile I am getting bill after bill as the account is past due. I have sent them my Identity theft.gov mailings and and trying to resolve this in all ways I can but they have been unresponsive to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Account do not belong to me and info is incorrect

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 2024-02-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have had hard inquires on my credit report that I did not do and they refused to remove it and credit score drops XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We made XXXX payments this month and they are not applying them to our account. We paid them XXXX on XX/XX/XXXX and XXXX on XXXX and they are not adjusting our bill still showing same amount past due of XXXX and an outrageous late fee of over XXXX dollars. They DO NOT RESPOND to my messages and answer any inquiries.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I've sent letters to the compines and no reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
I received XXXX phone calls from chime on friday XX/XX/23 Gentlemen stated that my savings account in my credit builder account have and compromised that he was with The reversal department and he'd like to help set up new accounts that I. Needed to transfer funds out of the account so that they can set app new accounts for me. So, in the meantime, this has been taken care of to find out that this gentleman was. 
Fraudulent scammer He did call From XXXXXXXX XXXX phone number and when I called chime. They said that's not possible they never called people. I had no idea that when they call XXXX times and. 
You assume there's a problem so I answered the phone I only answer calls from numbers that I'm familiar with so I trusted these people. And I filed a dispute for fraudulent scamming claim. They have denied me XXXX. I sent them all the information. They said they did call so when I sent him the screenshot of the phone number which was theirs. And everything else, including a police report. I filed FTC fraud complaint. I filed in any information else. I have with the guy 's. XXXX ID so he has an account with chime and no. I'm out XXXX And they've are blaming me. They say that there's no error on their part. They refuse to refund my money. This is all I have left. I will probably soon be home less. Because that's all the money I had. Because right now I'm only working part-time due to a XXXX XXXX recovery. And I don't know what else to do. I'm upset I'm now sick. I was on the phone for XXXX XXXX XXXX XXXX XXXX again this morning with XXXX different representatives and says they can't do anything to help me. Face state, they're transferring me to the escalation. XXXX and naturally the calls keep on getting disconnected All I'm asking for is my funds to be refunded. Cause the guy is a fraud scammer and using their information And was told on Friday. That's not possible that anyone could use their phone number. I have proof it comes app on my phone because I have their number saved in my contacts list as chime and it comes app that way XXXX times I'm just looking for assistance to get in my funds. Back. I'm hoping someone can help me I'm. XXXX right now I'm by myself and have no help. I have to rely on a service to take me to and from my doctor and XXXX XXXX appointments. And I'm literally shaking right now. I am so scared of what's gon na happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I didn't initiated these records, and I unequivocally suspect them to be deceitful.

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 2024-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am making extra payments to my loans each month and the overpayment is being applied to interest instead of principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX {$870.00} out of {$800.00} 110 % XXXX XXXX {$310.00} out of {$300.00} 105 % XXXX XXXX XXXX {$880.00} out of {$850.00} 104 % XXXX {$2000.00} out of {$2000.00} 104 % XXXX XXXX XXXX XXXX {$3800.00} out of {$3700.00} 102 % XXXX XXXX XXXX {$1600.00} out of {$1600.00} 101 % XXXX {$1000.00} out of {$1100.00} 99 % XXXX XXXX {$1000.00} out of {$1100.00} 98 % XXXX XXXX XXXX XXXX {$1300.00} out of {$1400.00} 98 % XXXX XXXX XXXX {$770.00} out of {$800.00} 97 % XXXX XXXX  XXXX XXXX {$470.00} out of {$500.00} 94 % XXXX XXXX  XXXX XXXX {$250.00} out of {$300.00} 85 % XXXX XXXX XXXX XXXX {$240.00} out of {$300.00} 81 % XXXX {$200.00} out of {$400.00} 52 %

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: WA

Complaint narrative:
I had a balance of approx. {$3000.00} which I have been paying off and now paid. off. My card was canceled for some unknown reason ( not myself induceded ) mid-way through. The bank was in Puerto Rico and would not let me make payments anymore online but only mail them in. 
I would mail in my payments two weeks early but my payment was ALWAYS one day late, even though make check would clear on the day it was due. I constantly was charged a {$29.00} late fee. When I called to dispute, the bank reps would refer me to the number XXXX XXXX which did not work. That number referred me back to the original phone number of XXXX. It was an endless merry-go-round. I have since paid off my card but would like something done with these crooks. They also upped my interest rate when the payments were never late. I have paid hundreds in fees The bank was : Banco Poplar XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have a loan with Rushmore Loan Servicing at XXXX XXXX XXXX XXXX, XXXX TX, XXXX on property and I am closing on the sale of this property on XX/XX/XXXX, I have requested payoff quotes on XXXX, XX/XX/XXXX and XX/XX/XXXX ( the last time I spoke with supervisor " XXXX '' who stated he would personally handle and get it to me via email within 24 to 48 hours and call me back. 
This has not occurred, nor has this been emailed as promised on XXXX or mailed on XX/XX/XXXX as promised. Now, I am facing the potential of the sale not closing due to lack of action on the part of Rushmore Servicing, this could potentially cost me thousands of dollars if I need to go back to market with my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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