vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: NY

Complaint narrative:
I purchased a XXXX XXXX 2022 online XX/XX/2022. My first package was never delivered to my door, instead it was delivered to a post office no where near my house. Then was marked lost by XXXX on XX/XX/XXXX. XXXX sent a replacement I believe on XX/XX/XXXX that was never received as well. My daughter was home all day those days that it was suppose to be delivered on. XXXX has done nothing, but claim my packages were delivered. There is no signature, picture or even a note from XXXX for an item that costed XXXX. My claims from XXXX and XXXX and even my disputes have been cancelled, XXXX is stating that XXXX provided proof that my order was completed but there was no signature. I'm now being forced to pay for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: GA

Complaint narrative:
on XX/XX/2023 I submitted a request to Equifax to send me the method in which they claimed to verify several debts that Ive disputed with them. I included the company along with the information they are reporting via their respective reports on XXXX/XXXX/2023 they sent me a letter stating I need to give the account information which Ive alosent. At this point they are stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has admitted that they DO NOT have my signature or consent to view ANY of my private health information. 

Please advise that withholding FULL documentation ( including SIGNATURES and my consent ) you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Please advise if XXXX XXXX is not removed from my credit report IMMEDIATELY I will seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever. 

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matter and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever.

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matte
r and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed.

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-28 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX  late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX Original Creditor : XXXX ) XXXX collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Browsed the XXXX XXXX website to plan a trip. Upon selecting a flight, day and time, an offer for a {$200.00} statement credit appeared from American Express on the XXXX XXXX website. On XX/XX/, spoke to XXXX XXXX representative confirming the American Express offer was legitimate. XX/XX/ XXXX  called American Express and applied for the American Express XXXX XXXX XXXX XXXX credit card to use to purchase the airline tickets through XXXX XXXX to receive the {$200.00} statement credit and was approved for the credit card. XX/XX/ booked the flight through XXXX XXXX using the American Express XXXX XXXX XXXX XXXX credit card as required in the American Express " Terms and Conditions ''. XXXX XXXX XXXX received the statement from American Express which did not reflect the {$200.00} statement credit. XX/XX/XXXX  called American Express who issued a claim number, and they stated the matter would be reviewed within 7-10 days. XX/XX/XXXX  called American Express to check the status of the claim and was informed it would take until XX/XX/XXXX  for a determination. The American Express payment is due XX/XX/XXXX  The payment will be made to American Express by XX/XX/ to avoid any late payment or interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
NOTICE OF VIOLATION OF FDCPA & NOTICE TO IMMEDIATELY CEASE & DESIST ILLEGAL FORECLOSURE ACTIVITY. I will be more than happy to settle any financial obligation that might be lawfully owed to the right party in interest once XXXX provides me with sufficient proof of claim as a sworn statement under penalty and perjury. 

Under a sworn statement, on what basis and authority XXXX is conducting a non-judicial foreclosure on my home with a sale date of XXXX XXXX XXXX when ( A ) the outstanding balance on the loan was settled in XXXX XXXX  and the attached credit bureau reports from the XXXX main agencies, XXXX, XXXX and XXXX - ALL 3 indicate that ( i ) the loan has been paid as agreed ( XXXX ) Monthly payment is {$0.00} ( iii ) XXXX is showing the account is closed? The reports DO NOT show the loan in default so on what basis XXXX is foreclosing? PLEASE PROVIDE ACCOUNTING REPORT PER GAAP FAS 140 TO PROVE THAT THE BENEFICIARY YOU ARE REPRESENTING HAS A VALID CLAIM OTHERWISE, THIS IS JUST HEARSAY AND NOTICE IS HEREBY GIVEN THAT NDSC WILL BE HELD LIABLE FOR THE HARM CAUSED FOR CONDUCTING A FORECLOSURE WHEN THE NOTE IS NOT IN DEFAULT AND HAS BEEN PAID AS AGREED ACCORDING TO THE REPORTING BY CENLAR TO THE CREDIT AGENCIES. 

( B ) Evidence shows that XXXX XXXX is NOT the true beneficiary or party in interest XXXX is foreclosing on behalf as ( i ) There is NO assignment of Deed of Trust to XXXX XXXX as the beneficiary recorded in XXXX XXXX XXXX XXXX 's office proving that XXXX XXXX is NOT THE actual party in interest and ( ii ) Further, the attached CUSIP report shows that the note with XXXX ( XXXX ) XXXX, Loan # XXXX is securitized and in a XXXX XXXX XXXX. BEFORE PROCEEDING WITH ANY FORECLOSURE, PLEASE PROVIDE PROOF THAT XXXX IS THE RIGHTFUL PARTY IN INTEREST AS THE EVIDENCE I AM PRESENTING HERE DOES NOT SUPPORT YOUR CLAIM. 

( C ) XXXX  DOES NOT HAVE ANY TERRITORIAL JURISDICTION TO CONDUCT ANY FORECLOSURE ACTIVITY AND HAS FAILED TO PROVIDE ANY PROOF WHICH MEANS THAT XXXX DOES NOT HAVE ANY TERRITORIAL JURISDICTION AND IS ENGAGING IN CRIMINAL ACTIVITIES AND WILL BE REPORTED. 

( D ) NOTICE IS HEREBY GIVEN TO NDSC TO CEASE AND DESIST IMMEDIATELY THIS ILLEGAL AND FRAUDULENT FORECLOSING SALE CAUSING ME IRREPARABLE HARM AND NOTICE IS HEREBY GIVEN THAT CHARGES WILL BE BROUGHT AGAINST ALL PARTIES INVOLVED IN ANY XXXX ACTIVITIES- incl. XXXX, XXXX XXXX, XXXX XXXX FOR THE HARM AND INJURY CAUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
Fraudulently reporting inn accuracies and reporting wrong residence verifying illegal or unauthorized actions

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 2023-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on 3 dates ( XX/XX/XXXX ), ( XX/XX/XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
Received a call, XXXX at XXXX, debt collector stated they mailed a letter dated XXXX and stated that I received it and attempted to collect. I requested that copies of my file be sent to me, the collection process to be halted until I received said documents and the agent stated they did not have to do that and continued to try and collect. The agent also confirmed that they do not own the debt but are simply trying to collect and stated incorrect information regarding myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/, I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, Ive been a Citibank credit card holder for XXXX years, have a credit limit of {$12000.00}, and a XXXX score over 800. My financial record is spotless. 

On XX/XX/XXXX, I funded my new savings account with a {$21000.00} ACH transfer from my XXXX Savings account. On XX/XX/XXXX, I made a transfer of {$10000.00} from my XXXX XXXX XXXX account and an additional {$5000.00} ACH transfer from my XXXX Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details. 

A few hours after my XXXX XXXX transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked. 

On XXXX XXXX I called the fraud department at XXXX and spoke to XXXX. He couldnt see an issue, but saw that Citi was in the process of closing my newly opened savings account. He told me he was escalating the issue for review. 

On XXXX XXXX I was informed that, based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed. 

For the next 60 days they will hold on to my {$36000.00}, will not give the XXXX % advertised interest rate and will only mail me a check for the principal amount in XXXX months. 

My complaint : I followed Citis process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my {$36000.00}. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my {$36000.00} hostage, Im losing XXXX months of the promised XXXX  % interest - approximately {$230.00}. 

Citi is actively advertising and encouraging people to open and fund a new savings account. After funding, Citi closes some accounts and for the next XXXX months, uses peoples money without paying interest. The internet is full complaints that match mine XXXX XXXX XXXX XXXX If there is violation going on, its from Citi, not me. I hope you can assist in getting my money back in a timely fashion. Thank you.

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 2023-02-28 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX ( Original Creditor : XXXX  ) XXXX collection account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
We fell behind due to illness, tried to apply for a loan modification. During the application process the mortgage company foreclosed and set a sales date adding thousands in fees. The mortgage company drug the application process out from XXXX XXXX to XXXX XXXX at which time we were told by Freedom Mortgage that the sales date was too close so they were not even going to consider our application.

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 2023-02-28 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:
N accordance with the Fair Credit Reporting Act the following accounts 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 an account without my written instructions. 

Creditor : XXXX XXXX XXXX XXXX  : 08 XXXX XXXXXXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Regional Acceptance

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