vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I currently have a Marcus by Goldman Sachs credit card. Marcus by Goldman Sachs sent wrong information to all three credit credit bureaus. They sent information to the credit bureau stating that the balance on the card was {$1400.00} and this is false. The statement closing balance on XX/XX/2022 was XXXX dollars and that is what should have been reported to the credit bureaus. The account currently has a XXXX dollar balance but on my credit report it is still showing that I have a balance of {$1400.00} owed on the credit card and this is false. I called Marcus by Goldman Sachs and complained about this issue and was told that it would take 30 days to fix the matter and this is unacceptable. My credit score dropped by XXXX points due to this error and has prevented me from getting a mortgage that I had applied for. 
I called the credit card company and spoke with an agent who realized the error that I was referring to. Marcus is reporting incorrect account balance on my account and they need to fix this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/2022 I was communicating with a person who I was friends with on XXXX. I knew this person and had previously worked with them. We communicated via XXXX XXXX, and this person even sent me a video chat to verify that I was speaking to the correct person. I was going to purchase a four-wheeler from this individual and they gave me their XXXX information to send a down payment for the product for {$500.00}. After I sent the payment the person never again responded to any of my requests. After a few days there was a response that this person had been scammed and that the person that was making the requests was not in fact the person that I was speaking to. So I was scammed out of {$500.00} and did not receive any product. The XXXX information that was provided to me was XXXX XXXX at email address XXXX sent on XX/XX/XXXX for {$500.00}. I tried to dispute this transaction as not authorized with my bank at U.S. Bank and they have denied my claim as of XX/XX/2022. I feel as though since I was lied to about who exactly I was sending the money to, that this is in fact a scam and should be protected against from others in this situation.

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 2022-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For my XXXX XXXX Account, My account was noted at delinquent in XX/XX/2021. For this account, I had it set to auto-pay from my checking account. I do not know why the auto-pay did not go through for this account. I can prove that the funding account had the proper funds for this. XXXX did not notify me of this issue, and has now reported the payment as late.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.

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 2022-09-07 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: NY

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

1. XXXX XXXX BANK XXXX ( XXXX, XXXX ) 2. XXXX XXXX  ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
My loan was sold to BSI in XXXX of XXXX. The agreement signed was for me to start making payments in XXXX of XXXX. When attempting to make my first payment I noticed the system would not allow me to make a payment and it was showing an incorrect balance. I reached out to BSI several times to fix the problem with no results. For 6 months I called and emailed XXXX ( my point of contact ) with no results. I have also attached a screenshot of her assuring me that her back office was getting the situation worked on ( it never happened ). So after waiting several months with no results I reached out via email to higher up in XXXX pretty much begging for them to please help me get my account updated. Well in XXXX the account finally updated. I then made payments for months XXXX since I was not able to before. My now issue is BSI is reporting my account as a disaster on my credit report ( which it is not ) and they are not reporting the payments as payed for months XXXX. I spoke with a rep today who advised me that per the credit department if they updated my credit report and remove the disaster that my loan would then show late payments. Mind you I could not make payments because there system didnt allow me to because they had not updated my file. It was showing an I corrected amount and they had me blocked from paying. If you go back and look at statements on this account from XXXX XXXX you will see what I am talking about. After doing some research I see where BSI was recently sued back in XXXX for the same issue that I am experiencing. If you all can not do whats right and update my credit report to reflect all of my payments, remove the disaster off of my credit report and make things right I am prepared to sue as well. This experience has been very stressful and emotionally draining. Attached is the first statement I recipient from BSI, one of the many emails from XXXX ( my point of contact ), a screenshot of the contract that I signed and a copy of the lawsuit that you all just had in XXXX and surprisingly I am experiencing the same issue with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

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

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 2022-09-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity financial provides credit cards to multiple vendors. 

They did an update ( cyber hack ), more than likely and have had to many issue to count going on 3 months now. 

No communication about the true cause of the issue and servicing your account is almost impossible. 

Customer service is non existent and using there preferred method on internet messaging return the same canned reply several days later. 

Payments do not always get applied or even better get applied for a date preceding the date it was actually made. 

Awards are not updated and disappear depending on the day. 

This is a total train wreck of a lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Seeking assistance to help facilitate a resolution with Chase Bank in regard to my recently applied for, approved XXXX XXXX. 

Prior to submitting request for assistance, tried numerous times ( over 10 calls ) with Chase Customer Service ( XXXX ). Was unable to secure the correct level to assist, support and make a decision. 

In short, this card was applied for to add to our CHASE portfolio of products and services because of the promotional offer of XXXX points. 

The promotion was not only screenshot but prior to applying, I contacted CHASE to confirm the promotion and if I was able to apply through the CHASE portal directly. I was not only assured of the current promotion of XXXX but also advised I could continue with the link by logging into our CHASE account. 

To further confirm and validate my due diligence, when the card came, there was no other information about the benefits, promotions, etc. I called immediately upon receipt to confirm of same and once again was told the promotion was XXXX. 

Within the first billing cycle we complied with the terms and conditions. I called to inquire as to when the points would come over and was told that it could take 6-8 weeks or two billing cycles. On that call, I again inquired about what would be sent over and they reviewed via a word track, all of the card benefits and conditions and validated the XXXX bonus points. 

This past week, I was notified by XXXX that we had a " benefit '' from CHASE. Upon logging in, it was a digital flight credit - one time use, up to XXXX points. I inquired and was advised it was from Chase. 

I called CHASE once again and was told that they was the promotional benefit. Despite me endless calls, documentation and confirmation I was advised that was the promotion and I could send in an email if I would like to for review. 

This has caused me a great deal of aggravation and stress. We only applied for this card because of the advertised and confirmed promotion from the service center. 

We have been long time and loyal CHASE customers and I am hoping someone at CHASE can look into this as well as the poor customer service received when I needed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for 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 2022-09-07 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: AL

Complaint narrative:
My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for 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 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/22 I moved {$990.00} to my Venmo account in hopes to save money for a trip. later that day I tried to order food for myself on XXXX using my Venmo balance right after my account was frozen I received an email to submit my ID which I did and they unfroze my account the next day my account was frozen again for a technical issue in XXXX automatic process to freeze accounts the money in my Venmo account comes from the XXXX XXXX XXXX because Im 100 % XXXX from the XXXX XXXX I have call everyday since my account has been frozen and I receive no answers they are withholding all of the money I have left for the month for the past few days Ive been unable to get food for myself and my service dogs one of my animals suffered from a disease called XXXX and need medication on her food which Ive been unable to get for her causing her to become ill I have made Venmo aware that this is an emergency and they keep telling me their hands are tied I have to wait for a specialist to unfreeze my account I have reach out in every way possible to make them aware of my situation only to receive no answers what so ever I have a flight on XXXX that will have to be forfeited if I do not gain access to my money my bank is now overdrawn because of the mistake Venmo made this as been a very difficult process and Venmo has no answers this is completely egregious

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: IL

Complaint narrative:
A debt collector by the name of Unifin , Inc. with an address of XXXX XXXX XXXX XXXX, IL XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX Unifin uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. '' They also stated : " Because of the age of your debt, Unifin will not sue you for it. '' These two quoted statements show that Unifin and XXXX XXXX both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXXXXXXXXXX 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. 

At a minimum I want both Unifin and XXXX XXXX to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I qualify for the settlement with Navient ; I attended the XXXX XXXX, my student loan was established in 2007, my payments were late ( in deferment ) for more than seven months multiple times over the past 15 years and I am a Vermont  resident. I've called Navient to receive my settlement and first I was told that I wasn't eligible because I did not default on my loans. The eligibility requirements for the settlement do not say anything about defaulting but that loan payments had to have been late for more than seven months. Then Navient told me that Vermont had not yet executed the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX al XXXX NEW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws states that reports containing information solely as to transactions or experiences are excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from my family and me. Thank you for your time!

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuses, nd harm these 3 credit reporting agencies have done 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 non-monetary relief