vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 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/2020 I requested a refund of {$790.00} to the company XXXX. After a few months and no noise from the company, i reached out on XX/XX/2020. No feedback. I waited a few more months then on XX/XX/2020, I started a claim with Apple Card to get my payment back. They chose to be in favor of the merchant. From that point until now, even after all the documents and proof of XXXX not complying to my orders of a full refund, they still have not refunded the money. I have made XXXX chargeback claims through Apple Card with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a XXXX dated or filed XX/XX/21 by Midland Funding LLC. Midland is suing me for an alleged debt and they are in violation because a debt collector can't say I owe any debt pursuant to 15 USC 1692b. I do not have a jurisdiction and I am a federally protected consumer and I abode. The amount of judgement listed is {$1800.00}. Crooks! I've never done business with Midland and don't have any contract so why do you have access to any of my personal and private information. You shouldn't have anything on file with your company in regards to me. My privacy has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 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: NC

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/2021 i spoke with us bank focus card inquiring about a large withdrawal to purchase a new car. I went to a visa member bank as instructed by card holder services. 1st attempt was declined for a cash advance of XXXX . I attempted again at 4different banks That day and each time it was declined. I called cardholder services and Spoke with them approximately 4/5 times. And even spoke to 2 people managers. Both were not helpful with assisting me to withdraw XXXX $ of my money for an important purchase. I was told that the transaction needed to be approved to obtain my own money and would take 7 days for approval then sent out via us postal service with a wait time of 7-10 business days., also another option to do a Teller cash withdrawal/ cash advance of {$5000.00} a day. I instructed to close My account and get me a check sent via XXXX XXXX to track this item. They do not electronic transfers to outside accounts of us bank. This a scam, not a bank. I want my money

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 2021-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX  XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP! I am having an issue with opening a personal checking account and possibly an issue with opening my business checking account as well. There was a reporting in the CHEXSYSTEM database that I owed an old account that had already been resolved. Please see attached documents. I look forward to settling this error on my account.

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 2021-04-18 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:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: TX

Complaint narrative:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
Experian. I expect that would be enough said. There are 3 items on my credit report that I disputed to no avail and their score for me is so way out of line with the other 2 agencies, I can't imagine how they are still in existence. What do we do about them? There has got to be some regulation on these clowns or what good is this so called FICO 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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I advised TransUnion and XXXX on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received ( per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. TransUnion had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX ( XXXX XXXX ) also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.

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 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Convergent Outsourcing 2. Validate Account XXXX XXXX XXXX 3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.

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 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: HI

Complaint narrative:
My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called GC Services and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report Number : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: SC

Complaint narrative:
The debt I have with this company rise credit was taken online over 2yrs ago.The amount of XXXX is not the amount owed. These are interest rates that theyve added on to collect more money.They continue to call and send me letters about this debt which theyve also sold my information to debt collection agency. This is violating my Hippa rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have two fraudulent charges on my Barclys card XX/XX/XXXX {$65.00} apple.com/us XX/XX/XXXX {$65.00} apple.com/us The charges first appeared in XXXX. I actually contacted them while the charges were still pending and informed them that I did not make the charges. They allowed the charges to process so I contacted them again and reported the charges as fraudulent. I received written confirmation that I was not responsible for the charges and that they would be removed. The charges were not removed. I contacted them via phone and email several more times. Each time I was assured that the charges would be removed but they have not been. At one point they were removed but then reapplied a few days later .They have added late fees to my account. I continue to contact them. They told me someone would contact me but no one has. The charges remain and additional late fees remain.

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 monetary relief
Consumer complaint received 2021-04-18 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 45 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 45 days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I noticed a change on my credit report. My score with Equifax dropped by 48 points in one day. I checked the report to find that there was a collection from Harvard Collections. There is no account information or any information other than the name of the collection agency and an amount owed ( {$200.00} ). The collection agency appears to be in XXXX, XXXX. I have never received notice any any collections due ( via email, phone call or any other form ). I've lived in Texas since XXXX. If there was any debt due, why haven't I been contacted? Why wouldn't I haven't contacted since being here more than 30 years. I don't know that this is my debt as I have no information about the debt. The date was placed on my report on XX/XX/XXXX. 

A collection agency or creditor should not be allowed to report a negative anything on your credit without notify you and giving you the chance to pay. This is a very unfair practice. Now my good credit that I've worked so hard to build was damaged with this one spot and I still don't know the reason for this item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: OH

Complaint narrative:
I will attach multiple letters showing numerous times I tried to contact the credit bureaus to resolve this issue. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me. XXXX is still reporting inaccurate names after verifying my identity with proof of identity, XXXX XXXX deleted the wrong XXXX account even though the account numbers was totally different must be a system error I would like that fix asap and have the account in the letters be deleted immediately from all three credit bureaus and update my personal information like I asked. Also I provided proof of payment on a bank statement and shows that its a error on XXXX XXXX end I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: TX

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: DISCOVER BANK
State: TN

Complaint narrative:
DISCOVER CARD SENDS FALSE STATEMENT TO CUSTOMER CREATING {$7200.00} IN EXPENSES FOR CUSTOMER CUSTOMER SCAMMED I opened an account on XX/XX/XXXX for a credit card with {$8000.00} credit line. Someone I had made friends with online ( I later obtained information which leads me to believe this is an organized crime ring based in XXXX ) asked to borrow some money to ship some gold to the US and agreed to pay me back. I sent about {$7500.00} to this person on XX/XX/XXXX. The return payment of {$7000.00} was made from an unknown account ( not my account ) on XX/XX/XXXX. Discover Card told me the payment was received and gave me credit on my balance making {$7000.00} additional money available for me to spend. I sent an additional {$7200.00} on XX/XX/XXXX. The payment was returned on XX/XX/XXXX. I would not have sent the additional {$7200.00} and would not have been able to if not for Discover Card 's false statement. I turned this over to the FBI IC3 unit but the unit has not taken any action to date and they say they probably will not take any action. The courts awarded Discover Card {$7500.00} they paid a different court {$1000.00} security and they were then awarded {$14000.00} plus legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Wave Financial USA Inc.
State: FL

Complaint narrative:
4 INVOICES WERE PAID BY 2 CUSTOMERS ON XXXX, FOR MARKETING, ACCOUNTING AND OTHER BUSINESS SERVICES. THE MAONEY WAS NEVER PAID AND THE COMPANY SAID THEY WOULD ISSUE A REFUND IN 65 DAYS. IN THE ORIGINAL AGREEMENT INVOICES ARE TO BE PAID IN MY ACCOUNT WITHIN 5 TO 7 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly, you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been having several issues with this bank since suntrust bought it. I have been charged just in the last month over XXXX dollars in XXXX fees. I have a secured credit card and an overdraft protection on this account and they charge me overdraft fees and then credit my deposits this bank is horrible.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Block, Inc.
State: UT

Complaint narrative:
I contacted Square Inc to send me statements for my form 1099b but no action was taken. The deadline for filing taxes is around the corner and need my form 1099b and statements

Company response to consumer: Closed with explanation