vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: WI

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized charge to my Apple Card issued by Goldman Sachs Bank. I immediately contacted Goldman Sachs through their chat feature. While I was in chat, two more charges were attempted on my Apple Card to XXXX XXXX XXXX XXXX. 

The rep told me not to worry. They would credit my account. 


On XX/XX/XXXX, I received notice from Goldman Sachs that they have resolved the dispute in the merchant 's favor. I called Goldman Sachs, XXXX reviewed the ship-to address for the {$240.00} XXXX XXXX XXXX XXXX order. XXXX confirmed that it did not ship to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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:
There are alledge inquiries on my credit report for which I do not recognize. Pursuant FCRA XXXX I am demanding they are removed XXXX XXXX XX/XX/2020 XXXX. XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This balance from XX/XX/XXXX is not owed and removed from my credit report before under other collection agencies. This new collection agency has falsely reported this as a new debt opened in XX/XX/XXXX. This is false in an attempt to reengage and make a profit on a debt that was from XX/XX/XXXX and no balance owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We are in the process of buying the house we rent from our landlord. 

We started our process with Quicken Loans back in XX/XX/XXXX. We got prequalified for a conventional loan and were finally approved and had our closing date set for XX/XX/XXXX. 

On XX/XX/XXXX, they ran my credit and stopped the closing of the house because of an increase on our debt to income ratio. 

After multiple options raising gift money from family, QL informed us that the only solution to save our conventional loan was to add a co-signer. Please note a denial was NEVER mentioned. More on that later. 

In the process of figuring out our finances from XX/XX/XXXX to XX/XX/XXXX we contact a local mortage broker to see if we had another option to which he mentioned we could try a FHA loan. They are more lenient to XXXX XXXX and we would qualify. 
We started the process with our local mortgage broker and was pre approved for an fha loan. 

Before getting a reply from our broker we ASKED Quicken Loans if FHA was an option to have all options available in hands. Please note we never agreed to switch to FHA or said we wanted to proceed with FHA. We asked if it was an options and QL replied that we would need a statement from the seller that he was ok with an FHA sell and we would need a new appraisal to make sure the house qualified as FHA. 

2 days after that email from QL they sent us an FHA pre disclosure and an addendum for the seller to sign, which we never acknowledged, never signed and never gave it to the seller to sign. Please see these documents attached. 

Since the process with the local broker was a lot smoother we slowed communications with QL and continued on our process with our local broker. 

On XX/XX/XXXX QL emailed us saying that if they didnt hear from us they would have to WITHDRAW the loan, to which we replied immediately, please go ahead and withdraw. Thank you. Again no denial was mentioned. - Please see attached XXXX 's During underwriting, now with the new lender, we were informed that we have a road block because quicken loans assigned a denial to our FHA case number and our new lender wont authorize unless that denial is removed. 

Quicken loans refuse to remove the denial even though we do not have any signed document or email or phone call to switch our loan to FHA. 
We also withdrawn before they stated we would be denied. We believe that this is fraudulent from them since there is no signed documentation that we wanted to proceed with an FHA loan. 

Our loan officer was XXXX XXXX as you will see on the attached email XXXX  's FHA Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/2021 {$350.00} was sent from my banking app via Wells Fargo to XXXX XXXX XXXX XXXX for a service animal. I am on XXXX XXXX and need the support of an animal during my daily life. As soon as XXXX confirmed the amount was deposited she refused to provide me with the animal aka what I had paid for. My bank is stating that it is not responsible for the fraudulant transaction and to contact XXXX and XXXX is not responding to my note sent via email. This is through my banking app but not protected by my bank of 14 years?!? This lack of attention is a HUGE concern! 
XXXX XXXX XXXX Thank you for helping me during this uncertain and fragile time we are going through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX XXXX XXXX did not call as mentioned. No other XXXX  workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Trying to file a dispute on a collections account with Experian, their website won't let me file it and their phone center hung up on me multiple times before transferring me to a never-ending hold message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: AZ

Complaint narrative:
The loan documents the company sent me have a creation date in the margin that is long after the loan. Clearly these are not the original loan documents as the rate of interest was changed and there are no terms and conditions. Clearly these documents are fraudulent. I want the electronically confirmed copy of the originals which is required by law. 
They have obviously chosen to ignore this fact in my previous complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Convergence outsourcing pulled my credit without authorization and while I had a freeze on and XXXX  let them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i went to use my amazon XXXX  credit card thru chase and it went to the amazon XXXX  card instead ; i then called chase finding my balance to be {$8400.00}, my credit line is XXXX XXXX.at no time did they text, call, or e mail me to determine if these charges were authorized by me as discover and XXXX XXXX had, after their investigation they concluded the charges were made by me even though i received no product, or confirming e mail or signed for anything i reported this to yhe police, the internet crimes division etc the charges were billed in XXXX and i now find i must employ a attorney to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX  XXXX  pulled my credit without authorization and while I had a freeze on and Experian let them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX  /account number xxxxxxxx agency name XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
This isn't credited I signed for or approved an inquiry on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Advantage Credit, Inc.
State: WA

Complaint narrative:
This isn't credited I signed for or approved an inquiry on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX we applied for a mortgage. XXXX  had my credit report and so did XXXX  but Experian had nothing. My whole credit file was missing. We started calling them then. Most recently, XX/XX/XXXX, began calling them again. The same situation. I was told my creditors do not report to them. We contacted our creditors and they all report to Experian correctly. I called and finally someone opened a report XXXX. The dispute shows my credit file but it still is not reflected on Experian and my FICO score just says no score available. I tried to call three times today and I get hung up on. I do not know how to resolve this issue. The other two credit bureaus show all my credit cards, auto loan, past mortgages, etc but Experian shows nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank misrepresent the facts of my loan application by claiming that I didn't submit one, their letter dated XX/XX/XXXX, was sent to XXXX XXXX  XXXX XXXX which is not my address. I read this letter posted on the CFPB site. In the letter, it stated {$460000.00} loan amount where this number came from? I never request a loan amount for more than the balance outstanding. approx ( {$200000.00} ) Chase can read this letter from XXXX on XXXX XXXX about the loan application. There is a lot of deflection from the truth ... From : XXXX, To : XXXX, Subject : RE : Chase Home loan Application Existing Loan number XXXX Date : Thu, XX/XX/XXXX XXXX XXXX  Attachments : XXXX, I understand your frustration I have exhausted my efforts attempting to locate a loan program for you. 
You in fact will receive a letter by mail letting you know an update to the status of your application. 
The application process is out of my hands and you should rest assured that written communication will be provided. 
Any further information you would need will be on the letter that you will receive by mail. 
Sincerely, XXXX XX/XX/XXXX RE : Chase Home loan Application Existing Loan numb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Credit Plus Inc
State: WA

Complaint narrative:
This isn't credited I signed for or approved an inquiry on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I sent out 2 transfers the first for {$1.00} then the second for {$99.00} both transactions were completed and received by the correct recipient. 

On XX/XX/XXXX I sent {$300.00} to the same recipient from my chase app using XXXX. This transfer was also completed however the money was never received by the recipient. I then filed a claim with Chase and was issued a temporary credit while the conducted an investigation. 

On XX/XX/XXXX they completed their investigation and issued a claim reversal deducting the {$300.00} they credited me. I then called Chase and spoke to their claims rep, I was told that the claim was denied because the funds were received. I told the rep that I have the recipients bank statements showing the 2 transfers that were received but not the {$300.00} transfer. This rep suggested that I send over an proof that I could provide via FAX or have someone at a local branch submit it. I went down to the local branch spoke to a banker and had her fax the documents. A week went by with no action being taken by chase, so I called back to follow up. I was then told that it was still being denied but they couldn't give me a reason for the continued denial. I asked to speak with a supervisor and was told that someone would give me a call in 1-2 days. 3 days had passed so I called them back. The person I spoke with was not a supervisor but explained to me that the person who received the transfer was XXXX XXXX to which I told them was not the correct recipient and requested they do a chargeback which they refused. 

As of today, I still have not received a refund on this transaction and have been told by the bank that there is nothing they can do about it. 

I'm attaching a copy of my bank statement, the recipients bank statement and a printout of the XXXX  activity list showing the recipients contact info. I highlighted the transactions in question on both bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number xxxxxxxxx XXXX XXXX XXXXaccount number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( Transunion, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( XXXX, Equifax, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX

Company response to consumer: Closed with explanation