vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have an Apple Card that is serviced by Goldman Sachs. I have had the card for almost a year, and made all payments on time. For my XXXX payment, I accidentally paid the installment balance & interest charge twice, because I didn't receive confirmation of the first payment ( so I submitted the payment again ). I later saw two payments posted to my account. I was unable to cancel the pending payment from the Apple Card app, so I contacted the support team. The support team told me they were unable to cancel the payment when it was pending, so to reach back out once it had posted in a few days. I waited a few days and then reached back out once the payment was posted. The support team then told me they were unable to cancel the payment once it was posted, and I would need to contact my bank to cancel the charge. I contacted my bank, and they said they couldn't cancel it and I would need to go back to Goldman. I went back to Goldman again, and they said they could file a request to refund my payment, and that it would take ten business days. It has now been ten business days and I contacted them again, to which they have said the process will take up to 30 days. I am confused and frustrated as to why my additional payment is still being held by Goldman and I keep getting misinformation about the process. I think this is a deliberate attempt by Apple and Goldman to make the process intentionally confusing so that people give up and don't bother getting their money back after an accidental over payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} {$1700.00} XXXX XXXX XXXX XXXXXXXX. XXXX XXXX {$0.00} {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$110.00} {$500.00} XXXX XXXXXXXX XXXX {$340.00} {$2000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} {$1700.00} US SM BUS ADMIN ODA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX {$490.00} {$1700.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$0.00} {$2300.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$110.00} {$500.00} XXXX XXXXXXXX XXXX {$340.00} {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} {$1700.00} US SM BUS ADMIN ODA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that WORLD FINANCE CORPORATIO absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank is clearly a predatory lender and needs to put on notice. I opened a visa charge card account at the XXXX XXXX retail chain which is handled by Comenity Bank. I used the credit card to purchase an item at one of the store locations. 
I promptly paid off the account however, the bank statements were confusing and misleading. There were two different balances on the statement. I payed the amount that was indicating what seemed to be the total balance owed in an attempt to bring the balance to XXXX. On XX/XX/2023, I payed {$290.00} to bring this balance to XXXX. On XX/XX/2023, I receive a statement showing a balance of {$5.00} with an additional late fee of {$32.00}. I immediately contacted Commenity to dispute this reported balance and now trumped up late fee. I indicated that I paid the balance on the statement and that the balance should be XXXX. I explained to them why would I intentionally leave a {$5.00} amount due??? The banks statements are purposely misleading, confusing and unclear so that they can then churn customers with ambiguous and deceitful late fees etc. They would not remove the late fee and insisted that in order to close the account, I must pay the {$32.00} late fee and {$5.00} balance which I did over the phone. I wish to receive from Comenity Bank a refund for the {$32.00} late fee, I then continue to get statements from this bank indicating I have a {$.00} ( XXXX XXXX  ) credit on my account. I have made numerous calls to this bank indicating to close the account, wipe away the XXXX XXXX  credit and send me a letter indicating that this account have been completely closed with XXXX balance. I am continuing to receive statements indicating that this account is still active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A formal complaint was submitted. Bank Of America has not responded. Here is the last email that I received from the CFPB. How is the bank allowed to blatantly ignore this verified information, and complaint?? 

We have alerted the company its final response is past due. 
We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an 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 2023-05-17 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 — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
Freedom Mortgage raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. Freedom Mortgage did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, Freedom Mortgage turned us into the 3 credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for Freedom Mortgage to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from Freedom Mortgage. My wife and I have spoken to Freedom Mortgage four times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at Freedom Mortgage that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to Freedom Mortgage.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Text and emails from www.synchrony.com phone # XXXX XXXX Claiming {$9.00} was charged on my TJM rewards card and this was a fraud alert and to verify if I recognized this purchase. When I called they wanted the numbers on that card, I would not give them. They wanted my address, I said to email. They wanted physical address. I asked them to tell me what they had and I would verify, they denied. I asked them to verify my address in bits of information I gave them, giving them incorrect information in some cases and they could relay that it was not what they had on file. They asked if I had lost any of my forms of ID. I replied no. I tried to call them back to inform them I was reported this as scam and the automated system said it didnt recognize my number and could not put my call through.

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 2023-05-17 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank dba SearsCard violated federal law, violated its MasterCard regulations, did not respond to my many specific proofs of a false charge to my account, did not investigate a single fact of the dispute, and ignored the merchant 's self-incriminating information. Attached is a detailed letter of the facts of the case, all of which CitiBank has totally ignored and none of which CitiBank ever refuted. Also, CitiBank has ignored my request to close my account and record it as being my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I received a notice of delinquent property taxes. Upon further investigation I found that on XX/XX/2023 the mortgage company paid property taxes on the wrong property. This is gross negligence. On XX/XX/2023 I received a notice of delinquent status on my house insurance. I contacted my insurance agent and he was able to receive payment. He informed me that upon the mortgage company purchasing my loan they were required to contact insurance, which they failed to do so.They also just contacted my stating my escrow account is short and will be raising my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
XXXX XXXX is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
My XXXX tradeline ( oldest tradeline ) was closed with out notice from the lender. When I called, they blamed the regulation and stated there was nothing they could do. This is now going to negatively impact my credit Score and the possibility of borrowing int he future. Since there was zero activity for 12 months they are closing it, but never made me aware that is had been 12 months or that a deadline was coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI Mobile App advertised a balance transfer offer.

Within the Citi Mobile app I accepted the offer and did a balance transfer to pay off my XXXX XXXX credit card of {$3000.00}. 

Citi bank approved the transaction on XX/XX/2023. Citi bank added the balance transfer of {$3000.00} to my Citi credit card, but my XXXX XXXX credit card still shows i owe them {$3000.00}. My balance with XXXX XXXX should be {$0.00}. 

I called Citi bank over 6 times to tell them XXXX XXXX never received the money. They have failed to help me out. Nothing on my statements show that XXXX XXXX was paid. 

This had been a frustrating process with Citi Bank and I no longer want to be a customer. I want this balance transaction reverted, since they have failed to pay XXXX XXXX. In addition, I can cancel Citi bank completely and no longer be a customer. They have been unprofessional in resolving this issue.

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 2023-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
MCCALLA LLC> IS OPERATING UNDER A FRAUDULENT STATUTE AND THE UNLAWFUL ACTIONS OF BEING GIVEN INSTRUCTIONS FROM XXXX XXXX XXXX XXXX AS ATTORNEY IN FACT FOR XXXX XXXX. 
But these are all lies...

1. MCCALLA ceo XXXX XXXX has been served with a writ of XXXX XXXX which leaves his company to be dissolved for their actions. 
2. Revocation of power of attorney has been submitted on public record and sent to MCCALL and XXXX XXXX XXXX XXXX This ends all agreements and terminates the Attorney in fact relationship. 
3. The deed of property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reconveyed to the private Trust of owner in possession. 

so now I serve XXXX XXXX XXXX XXXX and their co-conspirators XXXX XXXX XXXX XXXX  and H.U.D in a suit of exclusive equity for " Equity regards the beneficiary as the true owner '' " Equity will not allow a statute to be used as a cloak for fraud ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern ; The last four of my social security number is XXXX, so you are able to look up my account. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was repossessed by you in the State of Texas in XXXX and resold on or about XXXX XXXX based off what I see on my credit report. Under the laws of the State of Texas UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand that JPMCB AUTO provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You MUST provide to me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief