vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: CA

Complaint narrative:
On XX/XX/20, I was charged {$130.00} on my Goldman Sachs Apple Card with the description " Apple XXXX XXXX. '' I did not have any receipt for this charge, and I did not purchase anything from the XXXX XXXX, however I was in the store on that day to pick up an online order and turn in a trade-in for an Apple Watch. I contacted Apple Support on XX/XX/20 to ask what the charge was for. They did not know and directed me to the XXXX XXXX on XXXX XXXX or Goldman Sachs. On XX/XX/20, I spoke with the XXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX, CA ). The manager, XXXX, said she did not know what the charge was for, but she did not see that I purchased anything. She recommended I contact Goldman Sachs. I called Goldman Sachs. They did not have any additional information, but they helped me file a dispute for the charge. On XX/XX/20, I received an email from Goldman Sachs stating my dispute was resolved in favor of the merchant, but " You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist at Goldman Sachs Bank USA. '' I called Goldman Sachs on XX/XX/20 to request this information, but they did not have anything to give me. In fact, they didn't seem to be aware of the dispute. The person helping me named XXXX stated that I can file another dispute, but if I didn't have any additional evidence to provide, the claim would likely be resolved the same way. I asked her what I could possibly provide as evidence that I *did not* make a purchase, and she said she didn't know. So Goldman Sachs is not resolving the dispute in my favor, they are not providing documentation used to reach their conclusion, and they are not offering any other options for me to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/2020 I filed two complaints against XXXX XXXX , XXXX. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, XXXX XXXX , XXXX states that " due to the repeated complaints filed by the consumer XXXX XXXX , XXXX is opting to close both accounts out as a refusal to pay. XXXX XXXX , XXXX has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XX/XX/2020, nearly 6 months later, I received the attached two letters from DYNAMIC RECOVERY SOLUTIONS attempting to collect the accounts that XXXX XXXX , XXXX should have " closed out '', per the previous agreement. Note that XXXX XXXX , XXXX is named as the debt holder on both letters. According to the attached call recording, XXXX XXXX , XXXX had no intention on following through with this statement as the DYNAMIC RECOVERY SOLUTIONS agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to DYNAMIC RECOVERY SOLUTIONS despite the agreement made through the CFPB via complaint XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called AMEX prior to making a larger purchase to confirm my spending power and the over time pay limit on my card. 
I was informed that later was {$31000.00} I subsequently made a purchase of c. {$44000.00} My bill now requests back the full amount without applying the overpay limit of {$31000.00} I am being told that next time I should split the transaction into 2, as when the amount is over the {$31000.00} the over time pay limit would not apply This was deliberately omitted from the explanation when I called the first time round I would have used a different card/other means to pay if I had know that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 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: FL

Complaint narrative:
my name is in correct and alias names should not be there and the 2 previous addresses are not mine i never lived there and my birth date to be corrected

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 2020-11-27 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: DC

Complaint narrative:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today Friday, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX. 

Furthermore the below reference account has not been removed from my XXXX  profile though it has been removed and blocked from my credit profile by both transunion and XXXX. However XXXX  fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}

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 2020-11-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today Friday, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX. 

Furthermore the below reference account has not been removed from my Experian profile though it has been removed and blocked from my credit profile by both transunion and XXXX. However Experian fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}

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 2020-11-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
there are 2 chapter XXXX bankruptcies on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this information does not belongs to me I have never done any business with these companies these accounts 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 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
This account was open on XX/XX/2018 this is not my debit from XXXX XXXX please block and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: FL

Complaint narrative:
this information does not belongs to me I have never done any business with these companies these accounts is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this information does not belongs to me I have never done any business with these companies these accounts 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 2020-11-27 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: OneMain Finance Corporation
State: NY

Complaint narrative:
On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My Synchrony accounts were closed due to bias and XXXX. They do not want XXXX XXXX  that actually responsibly pay back their credit to have many accounts with them. I have never paid any of these accounts late. They have violated federal lending practices.

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 2020-11-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
On XXXX I filed two complaints against CASCADE CAPITAL , LLC. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, CASCADE CAPITAL , LLC states that " due to the repeated complaints filed by the consumer CASCADE CAPITAL , LLC is opting to close both accounts out as a refusal to pay. CASCADE CAPITAL , LLC has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XXXX, nearly 6 months later, I received the attached two letters from XXXX XXXX XXXX attempting to collect the accounts that CASCADE CAPITAL , LLC should have " closed out '', per the previous agreement. Note that CASCADE CAPITAL , LLC is named as the debt holder on both letters. According to the attached call recording, CASCADE CAPITAL , LLC had no intention on following through with this statement as the XXXX XXXX XXXX agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to XXXX XXXX XXXX  despite the agreement made through the CFPB via complaint XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019 JPMCB CARD add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 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: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. Letters came to me only two months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Someones using my name with a different SSN Living in XXXX ive never been to XXXX Debit incurred with XXXX then turned over to collections company Who are now trying to collect the debt from me Its affecting my credit score

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 2020-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second complaint to CFPB in regards to XXXX  and Equifax Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from XXXX  and Equifax. 

I once again demand for the accounts from said company below be removed since XXXX  and Equifax can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither XXXX  or Equifax can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I am contacted repeatedly by XXXX at this collection agency : TrueAccord account number : XXXX At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More.

Your support team at TrueAccord wants to help you get your balance resolved XXXX, wed like to work with you regarding your outstanding balance of {$710.00} with XXXX XXXX XXXX because theyve given us a short period of time to help you resolve your balance. 

If a payment arrangement is not set up while your account is with us, XXXX XXXX XXXX may review your account for potential placement with a law firm for legal review. 

I was even contacted at XXXX on XXXX. I have stated multiple times that I purchased the protection to use if unemployed and contacted the credit card company and told them I was unemployed but they continued to charge fees and run up the card. This in my opinion is fraud. When I ask for validation of the debt I only receive a statement that would have been mailed from the credit card company with the balance on it. No paperwork or anything from the initial contact showing I signed up for the protection.

Company response to consumer: Closed with explanation