vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2023 I had my wallet stolen which contained my Apple XXXX XXXX. I called Apple, and was transferred to Goldman Sachs who told me that the card was already cancelled, and that I should request a replacement card on my XXXX. As I was traveling at the time, I did not have my XXXX with me, so I waited until I got home to request a replacement. 

On XX/XX/XXXX, I attempted to order a new card via the wallet app on my XXXX, but was unable to do so because the button to request a replacement did not exist. After contacting Apple support, I was told that the case was escalated and that I would hear back in XXXX days. 

On XX/XX/XXXX, I received an email from Apple stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support to check on the status of my request. They then told me that " We have documented your physical card inquiry, and our team will order you a new XXXX Apple Card. '' and that I would receive the card in XXXX days. 

On XX/XX/XXXX, after hearing nothing and having not receiving the card yet, I contacted support again to check on the status. I was then told that " have created an escalation case to get a Physical Card mailed out to you. Please be on the lookout for a confirmation email when the card has been officially shipped. '' On XX/XX/XXXX, I received another email stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support, who then scheduled a call back for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, after not receiving a call back from Goldman Sachs, I called Apple, who then transferred me 4 times, with the final person being a supervisor in the Goldman Sachs fraud department. They then informed me that there were XXXX existing requests for replacement cards, and that the only thing they could do was request another card be issued. 

At this point, I am not sure what to do in order to get a new card issued, and I have no confidence that Goldman Sachs is actually processing my requests for a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX stated first when I called them wherein I could not activate the cards that the person that purchased the gift cards had to come to the bank. The person went and they stated that the cards were not activated and they took money from the card routinely until a balance of XXXX was completed. the cards clearly stated that the expiration dates were XX/XX/XXXX and XX/XX/XXXX. I thought I had until them to use the cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
I found inquiries that dont 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 2023-09-20 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:
-THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
-THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20 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:
After reviewing my Experian consumer report, I seen XXXX unauthorized inquiry from XXXX occurring on XX/XX/2023. I never benefited from this transaction between experian or XXXX. I never gave XXXX permission to check my consumer report or add information on my consumer report. Experian never gave me the disclose that the received a request from XXXX to review my consumer report on this date. There was no written permission for XXXX  to report anything on my report nor check my report, this is identity theft.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have been in a dispute battle with chase over a billing error for a few months now. It started when my husband and I purchased a XXXX  ( not the dipsuted charge ) for an oil change, making it free. The oil change groupon included free tire rotation and inspection. We dropped the truck off and all seemed fine, we then got a call that during the inspection they found a problem that would cost ~ {$2500.00} to fix. We declined the fix and they said they'd continue the inspection. They called back later stating there were more problems found and it would be ~ {$7500.00} to fix the entire truck. We declined and said we just want the oil change and tire rotation done. When we arrived they told us our total was over {$300.00} dollars. When we asked what for as we already used the XXXX  for the oil change they said it was for " diagnostic fees ''. There was no mention of this fee in verbal or written agreements that were signed. They told us they could not hand the keys over until the fees were paid. 

The charge was on XX/XX/XXXX of XXXX  for {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to report a concerning issue I recently experienced in my auto financing transaction, and I am seeking your assistance in addressing this matter. 

On XX/XX/2023 I purchased a vehicle through XXXX XXXX XXXX in XXXX Georgia and financed it with Chase Auto. During the financing process, I noticed a significant discrepancy in the interest rate offered to me. My credit score is XXXX and I was offered a 9.67 % interest rate. Upon careful examination, I discovered that the higher interest rate was probably a result of the intentional misspelling of my name on the loan agreement. When I inquired about this during the signing process, the finance manager was very adamant interest rate was accurate based on all my credit history and character. He even stated he shopped the deal around to other banks but 9.67 % was the best interest rate offered to me. It is my belief that this misspelling was not accidental but was done intentionally, possibly by the dealership, with the intention of securing a higher interest rate and potentially receiving a kickback or additional compensation.

I reached out to Chase Auto questioning the interest rate and why was it so high based on my credit score, however no one was able to answer my question or assist me. I even requested a remediation of my account in attempt to lower the interest rate and was turned down.

This situation is deeply concerning to me as it not only affects the financial terms of my loan but also raises questions about the ethical conduct of the dealership. I strongly believe that such practices are unfair and may be in violation of consumer protection laws.

I kindly request your assistance in investigating this matter and taking appropriate action against any party found to be involved in this unethical behavior. My goal is to ensure that consumers like me are treated fairly and transparently in their financial transactions and are not subjected to such deceptive practices.

Please let me know the steps I should take and the information you may require from me to facilitate this investigation. I am committed to cooperating fully to bring this issue to light and seek a fair resolution.

Thank you for your attention to this matter. I look forward to your prompt response and guidance on how to proceed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a {$13000.00} personal check received from my friend as a gift. The next day my bank ( Chase bank ) restricted my account and put a hold on that check. I called the customer service to see what its happening. The representative simply told me they can not lift the restriction until they could verify the maker of the check through their system. On XX/XX/XXXX my friend and I went to the chase branch to verify his check and being told they can not accept this type of verification. The only way to verify his identity is to find his phone number from their system. Unfortunately my friend just changed a new phone number and they couldnt find it. So we left Chase frustrated. The same night he tried to stop payment of this check with his bank ( XXXX  XXXX XXXX ). But his bank told him the check has already cashed by Chase bank and they cant stop any more. On the XXXX I went to Chase branch to seek help from the branch manager, she called many different departments inside the bank and even file a escalation on my behalf. Nothing works. Only to find out Later they might close my account and hold my {$13000.00} in their hand until they can verify my friend in their system. It just seems like there is no way to resolve the issue. There is nothing I or he can do. We even asked them to just return the money to where it was and they said no. I called them everyday to check the status but nothing changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
I attempted to settle this matter with Spring Oak Capital LLC in XXXX ( see exhibit C ) to no avail. I restarted this process again in XX/XX/XXXX and Spring Oak Capital LLC is still violating the FDCPA in pursuant to 15 USC 1692 ( c ) continuing to indirectly communicate via credit reporting agencies after request was made to cease and desist all communications via any medium other than US Postal mail ( see exhibits A & B ). 15 USC 1692 ( g ) ( b ) which they have failed to provide verification, the name and address of the original creditor which I requested ( see exhibit B ). Spring Oaks Capital LLC has continued to violate my consumer rights. The response that I've received from Spring Oaks Capital LLC is that they refuse to grant my request ( see exhibit D ) which is absurd to me as a federally protected consumer as they are continuing to violate federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I am writing to follow up on my complaint to the CFPB # XXXX regarding the inaccurate credit card balance reporting on my accounts ending in XXXX and XXXX. I am disappointed that your response to the CFPB did not address the specific allegations made in my complaint. 
You claim that the information you have on file correlates to what has been reported to the credit reporting agencies ( CRAs ). However, this is not true. The CRAs are reporting inaccurate balances that do not match any of my account statements. For example, my account ending in XXXX currently has a {$0.00} balance and an XX/XX/XXXX statement balance of {$190.00}, but the CRAs are reporting a balance of {$10000.00} as of XX/XX/XXXX. Please provide the statement with this balance or the source of this reported balance. 
Furthermore, Instead of updating the older account ( Date Opened XX/XX/XXXX ) ending in XXXX which reports the higher amount ( {$10000.00} ) which by default has the larger impact on my credit utilization and score, Upgrade Inc has decided to only update the balance on the youngest of the cards with smaller limit ending in XXXX ( Date Opened XX/XX/XXXX ) from {$3200.00} updated on XX/XX/XXXX to a balance of {$2200.00} updated on XX/XX/XXXX. 
I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 
Despite my providing Upgrade Inc. with my own account statements showing the correct lower balances, you have failed to correct the information you furnish to the CRAs, in violation of your obligations under 15 U.S.C. 1681s-2 ( b ). You and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 
I am requesting that you immediately correct the inaccurate credit card balance reporting on my accounts. I am also requesting that you provide me with a written explanation of why this problem occurred in the first place, and what steps you are taking to prevent it from happening again. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquiries appearing on my credit report I have attached supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OR

Complaint narrative:
I keep getting calls for settled debt from one Check and Go loan that I took out in California.

Every 6 months I get random and different debt companies going after this same debt.

I have ready settled this debt in 2019 and have a PIF letter. I keep getting calls from companies threatening to sue or report to credit bureau. The debt is also past statue of limitations. 

Lasted calls are coming from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX send me a PDF format file regarding a complaint true the CFPB portal ( see Attachment ) and in this letter they stated clearly they bought the account # XXXX from XXXX XXXX  and stated the follow paragraph in the letter, " With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, however, the Current Owner is not reporting the Account to the credit bureaus '' ( see attachment letter ) .... 

Experian in their own portal inform me they had updated the status of this account and the validate the account under XXXX XXXX with a Balance of {$1700.00} .... ( SEE ATTCHMENT ) 1. HOW TWO CAMPANIES CAN HAVE THE SAME ACCOUNT IN THEIR HANDS WITH THE SAME BALANCE????

2. WHAT METHODE DID EXPERIAN USE TO VALIDATE THIS ACCOUNT STILL UNDER THE NAME OF UPSTART AND WHERE ARE THE DOCUMENTS OF THIS VALIDATION??.

3. I REQUESTED SIGNED DOCUMENTATION AND BILLS FROM ALL COMPANIES AND ALL FAIL TO PROVIDE THE REQUESTED DOCUMENTS

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-09-20 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-09-20 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: NJ

Complaint narrative:
I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all of these fraudulent unauthorized inquiries for my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and is reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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