vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I inadvertently must have used an Apple Card when buying a new XXXX a the Apple store back in XXXX of this year. I thought I used my click to pay feature on my phone using my XXXX XXXX ( which is paid off monthly ), but the phone for some reason chose and Apple Card from my digital wallet. 

I find out in XXXX that the Apple Card was used and of course I never paid it off b/c I didn't know the charge happened on an Apple Card. My XXXX XXXX every month is $ XXXX $ XXXX, again paid off monthly so I wouldn't have noticed a {$1500.00} phone. I called Goldman Sachs onceI saw on my XXXX report that I had a 30 day late notice. I paid the phone off and asked to close the account. My credit score has always been above a XXXX XXXX, with that mishap I went down to a low XXXX XXXX. 

I just today XX/XX/23 looked at my credit and I now have a 30 and 60 day past due on the same card. I called customer service and they said it was continued interest. I get 100 's of Emails a day and have never been on the lookout for a bill from Apple Card. All my bills get paid in full monthly on auto draft. I am now down to a XXXX XXXX score and Goldman says they will not do any goodwill reporting to fix my credit. I have had ZERO late payments in 15 year... not I have 3 from this company. 

I have now put a autopay on the Apple Card so any other rolling interest is handled, but I just want the 3 bad reports to be reversed and for my credit to go back to a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
Ive spoke with the agent who left me a message regarding the updated info that was needed on my credit report, she stated only one credit reporting agency XXXX gave her the report back and that I needed togo unlock my report from the report XXXX and XXXX I immediately replied um I didnt know your guys was going to run my report- I thought you was collecting it just to ask later after everything else was approved - no where in your application stated that you need a score of XXXX to qualify in fact the marketing was quit misleading - the application has a very tiny 3 pt letter size or smaller that the agent pointed out that - I clearly did not see- I explained I was in a credit counseling program and would not have agreed to pulling my credit thats why they was only able to pull one - so they market that they dont do traditional loans they go bye documents to mislead that they arent going to SSN then in the middle of the entire form they ask for your SSN no where on that screen do they inform you that they are going to do a hard inquiry on your report - no one would give me corporate number I told them that I would complaint to the XXXX and to Consumer Finance If they didnt remove that info immediately non permissible usage 15 U.S. Code 1681b - Permissible purposes of consumer reports please have them remove it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
2 Balance transfer amounts on Citibank card : 1 at 0 % until XX/XX/XXXX Balance Transfer 5 now at 20.99 % and 1 at 1.99 % until XX/XX/XXXX Balance Transfer 4. 
XX/XX/XXXX called to payoff Balance Transfer XXXX before rate expired and interest was charged. Told to call back XX/XX/XXXX to make the payment. 
XX/XX/XXXX called to make pmt to payoff Bal Transfer 5 to avoid interest charges. Told to wait and call back XX/XX/XXXX so the interest would change and be higher than Balance Transfer 4 and start being billed. 
XX/XX/XXXX called back, explained my 2 previous calls and why I was calling, verified and confirmed amount needed to pay off Balance Transfer 5 and that it was now at 20.99 % interest, and payment specifically to pay off Balance Transfer 5 was processed over the phone. 
XX/XX/XXXX new statement is received. Payment to Balance Transfer 5 was incorrectly applied to Balance Transfer 4 and interest was charged for Balance Transfer 5. 
XX/XX/XXXX after speaking with a rep was transferred to supervisor, XXXX, he told me he understood what had happened and that he would take steps to correct the misapplied payment and refund the interest charged. 
XX/XX/XXXX received letter from Citibank stating payments are applied to higher interest rates before lower rates and the payment was applied to Balance Transfer 4 instead ( at the time of the XX/XX/XXXX payment, Balance Transfer 5 was the higher rate ) and they would not honor my request to have the payment applied correctly. 
XX/XX/XXXX - thinking the XX/XX/XXXX letter was in response to one of my first calls, I called and spoke with XXXX who confirmed XXXX had made the changes and Balance Transfer 5 was at a {$0.00} balance. 
XX/XX/XXXX new statement is received. Interest refund on Balance 5 by XXXX was processed but payment paying off Balance Transfer 5 was still showing as applied to Balance Transfer 4 and new interest was charged once again for Balance Transfer 5. Called and spoke with XXXX who told me that the " back office '' would not allow the payment to be applied to Balance Transfer 5. I told him I would be filing a complaint.

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 2023-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I have not received my escrow refund that I was promised.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was contacted by telephone today by someone who told me that I owe Walmart the sum of {$4000.00} for unpaid credit card bills. I have not ever had a Walmart credit card I was told to call XXXX XXXX XXXX and to give them the case number of XXXX. When I called the number they told me that I did owe Walmart {$4000.00} and I would have to pay it or tell the judge that I didnt have a Walmart credit card..AGAIN I HAVE NEVER EVER HAD A WALMART CREDIT CARD Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: OR

Complaint narrative:
Company continues to provide my credit report to other companies without my consent after opening an account in my name without my knowledge or consent.

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 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My TransUnion credit report and is reporting INACCURATE information about an account that has been PAID IN FULL and closed since XX/XX/. They are not reporting that the account was ever paid late but, are reporting inaccurate information instead. The inaccurate information is as follows : Account Rating - DEROGATORY Creditor Remarks- DISMISSED This account was PAID IN FULL XX/XX/XXXX  and the funds were drafted from my account on XX/XX/XXXX XXXX XXXX This account was never paid late and was paid in accordance with my contract with XXXX XXXX. The remarks are not ACCURATE! The remarks are not clear and make no sense for this account. TransUnion stated on my most recent credit report that their last verification was done on XX/XX/. I've attempted to dispute this with TransUnion to have these negative false remarks removed. TranUnion has failed to remove them, as it is still being reported. This has impacted the way that I have been granted credit because of the derogatory remark on the part of TransUnion.

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 2023-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Hello, I am at least XXXX qualifying payments in toward completing the XXXX necessary for PSLF ( Public Service Loan Forgiveness ). Last year, a submitted ECF ( Employment Certification Form ), the result of which raised my qualifying payment count to XXXX. 

Recently, I submitted another ECF to update my payment count, with my expectation that I would now be around XXXX qualifying payments after it was processed. This time, I used the tool via the studentaid.gov site to trigger them to directly email my employer for information. My employer promptly followed up and completed the form electronically. 

The assessment by studentaid.gov however was that my employment reflected on the new form does not qualify. 

I am very confused and frustrated - not to mention upset. I am in the same job, with the same employer, the same number of hours worked per week as last year. Why would there be a different outcome? 

I have reached out to MOHELA, Studentaid.gov, and you, in the hope to get some clarity. In my partner 's past efforts to pursue PSLF, he found that different entities ( servicer, Dept of Ed ) would occasionally have conflicting answers or change their answer if called out for not adhering to PSLF requirements and other student loan related processes. 

Thank you for your assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am writing in reference to : complaint # XXXX this complaint contains documents related to the case. 

The credit card company has contacted me by telephone and are investigating the dispute. Stating this can take 10-15 days. They also are only available to discuss the case M-F XXXX XXXX XXXX. They do not email any resolutions so most likely I will have to spend additional time on the phone with this company and take additional time away from work to address. I would like an expedited resolution to this since they have already violated the required time frame to address the dispute. This dispute is over 90 days old. They also have incorrect information on the back of their billing statement to address disputes and an online portal that doesn't respond to the " contact us '' button. There is no way to contact this company except through customer service where I have documented over 3.5 hours of hold and discussions that have yet to address or resolve my disputes. I would like to know what violations the bank has committed with this case from the incorrect address and failure to meet a reasonable timeline on disputes. 

I just received another statement with a full balance, late fees and interest charges

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 monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. Also my report of identity theft. You can see the signature of my ID does not match the signed lease they have. I do not own this account I am a XXXX  from XXXX I do not own any money on any accounts to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES 1. XXXX XXXX XXXX XXXX, GA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX AV XXXX, NY 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 2023-07-19 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Commute to work has been a continuous struggle without any ventilation. Despite my requests, the company refused to accept the return of the car. I no longer desired this vehicle as it did not match my initial purchase expectations. For the past XXXX years, this car has functioned without proper air conditioning. Moreover, the car 's system frequently malfunctions while driving, causing unexpected stops in traffic. The information provided about the vehicle was deceitful and manipulative. I never agreed to pay for a car under these circumstances, and I find this manipulation highly unjust. The promise was that I would receive an operational and safe car for my family, which clearly hasn't been fulfilled. It's unfair that my family now bears this financial burden without a reliable vehicle, especially considering the needs of my XXXX child. I refuse to make payments for a car that is inoperable, as it was not part of our agreement. Despite my request, I haven't received the original contract, and the contract you attempted to provide is fraudulent and not signed by me. The Truth in Lending Act ( XXXX ), which is a federal law, mandates that lenders disclose specific information to borrowers regarding the terms and costs of the loan. This includes providing a written contract or agreement that clearly outlines the terms of the loan, such as interest rates, payment schedules, and any applicable fees. Sending a fraudulent contract is against the law. I insist on receiving the original contract before any further communication or payments. I will not make any additional payments for a car that can not be operated. XXXX years ago, returning the car was not allowed due to the representations made by your staff and the dealership, claiming no returns were possible. You manipulated me, and now you expect payment for a non-functional vehicle. The contract itself was founded on falsehoods, which is why you are withholding this information from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: IN

Complaint narrative:
I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.

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