vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Im writing this letter to apple card support to get this situation squared away once and for all I have three open disputes going with apple card support at this time one is for dispute number XXXX XXXX from XXXX another one for $ from Home Depot dispute number XXXX XXXX and another one from {$170.00} from XXXX dispute number XXXX XXXX XXXXXXXX I have been going round and round with apple card support to try to get these disputes resolved with no luck I keep talking to different people and getting different answers from every person that they bounced me to. XXXX keeps telling me that that I was refunded for the {$240.00} the XXXX and the XXXX when I look at all my statements going back to XXXX I was never given any kind of credit for those three transitions but yet apple card keeps telling me that the merchant gave me a credit and thats why they were moving the provisional credit that they gave me I have sent documentation showing that none of these tranzations was ever credited back to my account Ive gotten all my statements from XXXX all the way to the present its showing that nothing was ever credited at nowhere there doesnt it say credits for for {$240.00} one XXXX or $ now as far as this {$180.00} thats in question from Home Depot the issue was I placed an order back on XX/XX/XXXX form Home Depot they unfortunately Home Depot took the money out but then some of the items werent available they cancelled my order I had to go and I had to reorder the items and they double charged my card but they never refunded the {$180.00} Home Depot said that they canceled the order and they refunded it but they never did and I sent documentation over showing that .Ive uploaded since documents several times via e-mail and a couple of times on the apple card app itself to send this documentation over and havent heard anything back so Im I sending them in the mail. the complete statements that I have starting from XXXX of XXXX to the present unfortunately apple card chose to terminate my card on XX/XX/XXXX  so I have not been able to use this card at all to make any purchases and the following credits are not there they do not show up at apple  keeps saying the reason theyre denying my dispute is because I receive credit which I did not when I talked to somebody back on XX/XX/XXXX the person I spoke with then said that they were gon na have somebody give you a call back which nobody ever did because they said that I had won these disputes but they had never put the credit back on the account so I need to get this situation understand if theres a card plus balance then how do I get the money from apple since my account is closed regardless because I won one of the disputes of {$290.00} I did win that my apple card i re openrd up these dispuites a couple of days ago. You keep.asking for the same information i keep giving it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/23, I received two emails that my American Express credit card accounts are being closed. I quickly called to see why. I was advised that because of returned payments. I have been experiencing fraud and ID theft in the past year, and have been having to constantly change banking account numbers and cards. I've expressed that each time I've called to have American Express confirm payments. They've called my bank with my on the phone and confirmed that payments have cleared and/or have funds to cover. Now, they are telling me that it was not verified and my relationship is being closed. I asked to escalate the issue, but was declined that option and stated there is nothing they can do. Only option is for me to apply for a new credit card. I let them know I can provide a letter from my bank stating it was returned in error since I have been dealing with fraud. They did not accept. It is very frustrating that as I have been dealing with the fraud and ID theft, that American Express can not find a solution to assist and even review the situation. They did not seem to care and brushed it off. I also find it funny that the day before, purchases were allowed, creating more balance and profit for American Express. Which I am sure, at that time they knew the relationship was being closed. Seems like they wanted to allow me to spend more so they can profit before closing it all. I do also feel discriminated against for returned Payments, even if it was because I have been experiencing fraud and ID theft. They brushed it off like I was no longer worthy to be a client, like Im a XXXX XXXX XXXX to throw away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.

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 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used my PayPal debit card to purchase a rental vehicle after a wreck in which I was not at fault for, XXXX admitted fault 2 days after I paid the rental fees out of pocket. XXXX never refunded the full amount due after being paid from XXXX ( the at fault insurer ) and I submitted a claim to PayPal. PayPal has repeatedly not appealed the case, given me rude remarks, and refused outright to help me in a blatant case of theft although I have submitted proof. They keep telling me they will appeal the case and will contact via email but never do. This has been ongoing for months and every time I call they give me the same conversation like I never called them before. They have received the documents but have done nothing on their end to protect my account from unauthorized charges or blatant theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I lost my job due to the Covid pandemic. I filed for unemployment and was to receive weekly payments. I looked and nothing was deposited. Kept checking for deposits and still nothing. We were told on the news that many people were not going to receive our payments that we should be patient it would take a while. I kept checking and then stopped checking. I forgot about my unemployment checks until I just recently needed unemployment, a little over 3 years later. I had seen on the unemployment website that over 3 years ago I had supposedly been paid. I checked the prepaid card and the card had been canceled, but was transferred to a Bank of America customer assistant who told me that the card had been canceled and after their review that card had been used in 51 card transactions and there was no money left on the card. I told them that it was impossible I had used it and that card was in our file cabinet since the pandemic first began, and that we were under a lockdown for almost 6 months since everyone systematically contracted the virus and we went person to person until we all finally contracted this virus, during which my mother in law was XXXX  and shortly after died due to XXXX! There was no way we could have used this money. They said they have to file fraud and do an investigation which can take up to 90 days. I've called throughout the last 90 days and nothing is being done and they keep saying that I have to wait the 90 days and that I've just filed the previous week, not 30 days. They are now ignoring my calls and refuse to answer my questions.

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 2023-09-28 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: MOHELA
State: AZ

Complaint narrative:
As the repayment period approached, I applied for the XXXX program, which I am confident I'm eligible for. I have been unemployed for over two years, and my disability claim is still pending. My family relies on XXXX and XXXX  XXXX  for basic needs, but XXXX denies my application for the program. I have applied twice, and both times, they rejected it due to a lack of income verification. However, I have provided all the necessary documents, including my XXXX most recent tax returns, to prove my eligibility. 

I've been contacting the Department of Education, but all they send are generic emails containing tutorials, applications, or instructions to contact XXXX. I need help getting XXXX to explain what other information they need from me or why they are not allowing me to participate in the XXXX program. It feels like I'm being misled and scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This debt has been paid in full. Previously, this debt was held by another agency. I reported and demonstrated proof of payment and the debt was removed from my credit report. 
On XX/XX/XXXX, I called and spoke with a representative by the name, XXXX. She informed me that this debt was in fact valid and she was looking at the documents in my file. I requested this information be sent via mail and she disconnected the call after telling me she is unable to do so. This debt is NOT valid. It has been resold and any attempt to collect on this is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want incorrect information to be deleted that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo charged a {$10.00} service fee that was supposed to be waived if the checking account balance was > {$500.00} which it was ( {$500.00} ) on the date that this service fee was taken. This was fraudulent behavior that they blamed on their " system. '' They have promised to reimburse but given the history of this company 's shady practices towards consumers I wanted to submit a complaint

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 2023-09-28 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:
I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : XXXX XXXX : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer 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 2023-09-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer 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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime account opened with my email, address, birthdate and social. I received a debit card in the mail and never requested opening an account or a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
mailed a dispute to transunion XX/XX/20 to get proof of a negative item on my credit that i disagreed with. It has been onver XXXX days and have not received any response from thie company or even alert me they are processing my request.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
A third-party company approved services of a loan agreement. I never used the services. A hotel company that paid partner with affirm. The company confirmed, both companies, that I was clear and owe nothing. I was charged {$14.00} cents that I did not know about, I was told that I was responsible for the amount left behind, reminder- I never had services with this company Affirm and they unethically and fraudulently reported this on my credit for more than 60 days as a late XXXX balance. I am unable to purchase a home due to this error that they are not correcting, I called schedule a call with the Credit Bureau, XXXX XXXX, you and affirm and myself today XX/XX/XXXX  to clear the allegation of the false report. The company confirm i did not have services and nothing was late, but they still reported it on my credit that needs to be removed. 

provide reference ID # XXXX for the conference call with myself and XXXX XXXX

Company response to consumer: Closed with explanation