vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX XXXX. I made a purchase using my Apple card. I purchased TWO items under the same transaction. One I took with me. The SECOND one was to be delivered to my home. The total amount for BOTH was {$140.00}. 
I never received the shipped item and I am requesting a reimbursement for that unreceived item, it amounts to XXXX plus tax. 

I later found out that the clerk at the XXXX store did not type in the correct address when placing my order. I know this because once i got a delivery confirmation email, I immediately called XXXX XXXX and asked what address it was delivered to. The operator read that address to me and that is not the address I gave to the clerk on XX/XX/XXXX. I have my receipt from that day and my address was not printed nor did the clerk read it back to me, I had no way of knowing he got the address wrong. My address was wrong by one digit. XXXX told me I would get a replacement sent out and never did. I was also told a " manager '' would call me and that never happened either. 

I filed a transaction dispute with Apple card on XX/XX/XXXX or so and explained this to the rep. but Apple disputed the WHOLE transaction, not just the missing item. I am not disputing the entire thing, I just don't want to pay for the item that was not shipped to me and that I did not receive. I am disputing the XXXX order # XXXX XXXX, REF ID XXXX in the amount of XXXX plus tax. 

After about 2 months Apple sent me an email saying my apple card was legitimately used and therefore I am liable for the whole thing or something to that effect. I called Apple right back and asked if I could appeal that decision. Apple asked if I had new proof and I said yes, I do. If you ask XXXX to document what address the missing item was shipped to you will see it's not the address I have on file with you. I only have one address for all purposes. I explained all that the first time around, so I feel like we're going in circles. They told me the only thing they can do is dispute it again BUT again they disputed the WHOLE amount. I don't think they understand the delivery problem or it's not getting transmitted for some reason. Also they don't care to look at my sales receipt. To recap : I know I made the purchase. I am not disputing that nor am I requesting ALL of the money back. I simply want to be reimbursed for the XXXX plus tax item that was not sent to me. Apparently when Apple clerks hit dispute, it only lets them select the whole thing and I don't think it's being investigated properly. IF XXXX is made to show what address this was shipped to, it will not match my billing address on file with Apple Card. I only have one address for all intents and purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have sent XXXX letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
On XX/XX/20 I sent a dispute for the following accounts appearing on my credit with multiple inconsistent information across all 3 Credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX  2 XXXX XXXX on XX/XX/20 they response with a procedure of Dispute and nothing else On XX/XX/20 I also sent a Dispute for XXXX  XXXX Late payments being reported with inaccuracies all over the payment history XXXX I sent yet another letter asking them to verify the information and provide actual proof of the information that have been provided to confirm the accuracy in their reporting XXXX I opened an account online to see if they even have a dispute open and to my surprise they have nothing. 

This is a complete violation of my rights to dispute information. I also included in my disputes a copy of my driver license, social security and copy of my bill so I don't understand how this can be over looked. 

I have also attached the copy of the certified copy of the receipt that they received it as well

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I recently refinanced my loan with New Rez Llc. Account # XXXX. Effective XX/XX/XXXX. My payment was to begin XX/XX/XXXX. I received a collection call from my previous services XXXX XXXX Account # XXXX. My XXXX payment was late with XXXX XXXX and I was being charged a late fee of {$85.00}. When I advised them my account should have been paid off I was told the wire was short by {$3600.00} and rejected by XXXX XXXX on XX/XX/XXXX. I was not advised by New Rez that my loan was not paid off or that any action was needed. No one ever reached out to me. The wire was rejected on XX/XX/XXXX and I had since received my mortgage coupon from New Rez to begin my payment as of XX/XX/XXXX. I contacted my loan officer XXXX XXXX who was unaware of the situation and said he would look into it on XX/XX/XXXX. I currently have 2 mortgages out on the same home with a XXXX payment due with loan care for {$2100.00} and a XXXX payment due for {$1800.00}. No one seems to know whats going on. I did call and leave a message and sent an e-mail to the manager for lending for New Rez XXXX XXXX and have not heard back. I called the number for New Rez on my mortgage coupon and reached a company Shell Point Mortgage who said they were servicing my new loan for New Rez and could not offer any assistance. When I requested a supervisor I was then cold transferred back to New Rez. Shell Point Mortgage is not advertised anywhere on my mortgage coupon. I am very frustrated and feel mislead. I cant seem to get any answers and need help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have sent three letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: MA

Complaint narrative:
I am enrolled in the Public Service Loan Forgiveness program. I have been working with XXXX regarding the qualifying payments. There are 6 months of payments ( XXXX ) made on a direct subsidized loan and a direct unsubsidized loan which are listed as " payment is pending manual review. '' I have spoken to XXXX regarding these payments and they have confirmed that the employment during this time frame was certified. These loans were through the lender ACS Education and I am unable to contact ACS directly to ask them to provide XXXX further information regarding the status of those payments. With these payments I will reach the 120 qualifying payments needed to apply for loan forgiveness. Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Managment did not provide me with any notice of an attempt to collect a debt. Instead I received papers in the mail about being sued by them. I was not properly served these documents either. They were left with my neighbors who informed me once I got home. How can they expect for someone to pay an alleged debt when they dont attempt to notify the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
The account in discussion is Keybank NA account # XXXX the issue at hand is a late pay reported in XX/XX/2020, due to Covid-19 I was unable to make the payment. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-22 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a payment to my credit card. This was the first payment. I made a payment of {$600.00} to a maximum limit of {$1000.00}. I made a payment with a direct payment from XXXX  XXXX XXXX linked to my bank account. Capital one tells me they will not give me the available credit for a week. I am of the opinion that if I had known in advance this would happen that I would not have made the payment. XXXX tells me that payment posted. The money is out of my account. I am telling Capital one that if they don't like the money they can return it. We can stop it all right here. I beleive that capital one is pulling a scam of course making a little money on the side. This is ridiculous. I will put a stop payment on the payment if Capital One doesn't like the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection is reporting fraudulent informationn on my credit file. 
I paid this account even though its not mine because they promised they would delete the account. Now they are telling me that there is NO record of the conversation!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
THE LAW FIRM FOR CITI BANK TRY TO SERVE A SUMMONS AND COULD NOT BECAUSE I WAS NOT THERE ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I enrolled in a CARES ACT forbearance plan in XX/XX/2020. In XXXX i asked to be taken off forbearance and given the option to defer payments to the end of the loan. Upon agreeing to tbe deferment my credit score dropped 120 points. I called US Bank, my lender, and submitted requests to fix inaccurate data. 3 weeks later i received a letter stating it was reported properly. I than called all 3 credit bureaus. Each credit bureau, upon hours of digging deep into my credit found US bank did in fact report incorrectly. The supervisor of transunion his self sent my lender a escalated request to fix their reporting errors. US Bank still stated they were reporting correctly. There is no way for me to speak with the lenders credit reporting department as US Bank will not allow it. Today is XX/XX/2020 and my deferment is still not finalized, 2 months after signing the paperwork.

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 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affi attatched. Im trying to build my financial stability up while providing during Covid

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 2020-12-22 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: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
this account AmerAssist XX/XX/2020 is not my account i disputed it several times and this account still appears on my credit report. This account is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
Company is not refunding my escrow balance. Home is Sold loan is paid in full. Company has not refunded within the 30 day time frame they are required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that XXXX XXXX reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with XXXX was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted XXXX to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within XXXX, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.

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 2020-12-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
I contacted the holder of my XXXX XXXX XXXX XXXX, PA - XXXX to apply for forebearance for hardship related to the pandemci under the Cares Act. Customer service represenative XXXX was very persistent about asking speific questions related to financial need for forebearance and asked questions regarding employment and finances my financial outlook. XXXX also suggested numerous times that they would allow until the end of XXXX to make my XXXX payment. He also initially advised that missed payments would be due all at once, as a balloon payment, at the end of the forebearance period - I did dispute this and pointed out that it is a federally backed loan and a balloon payment can not be required as a repayment plan. He backtracked and said the only other repayment option would be the missed payments would have to be doubled up for subsequent payments after the forebearance ended - i.e. each month after forebearance I would have to make 2 payments a month until I was caught up. I don't think he can determien what the repayment options will be and also with federally backed loans I don't think they can require such stringent repayment options. He said there would be no other repayment options available. XXXX then continued to probe and question my financial situation - I had to insist that my request for forebearance be initiated and processed. XXXX advised that I would be receiving forebearance paperwork by snail mail - I expressed concern that I would miss the XXXX XXXX deadline and questioned about possibility of processing request online- he said there is no deadline. Finally, he told me the forebearance period would be determined by his managers - they would determine whether it would be 3 or 6 months and I would find out once I received the hard copy paperwork in the mail. I am upset by the persistent probing of my financial situation, the scare tactics of the stringent repayment options which don't align with the Act for federally backed loans, the lack of information regarding this forebearance on the website, inability to apply online and only via snail mail, the practice of them determining the period of the forebearance, and my concern that I am being told there is no deadline.

Company response to consumer: Closed with explanation