vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Goldman Sachs incorrectly states : " Customer did not satisfy the XX/XX/2021 statement balance in full by the due date. '' As a result, the Bank assessed interest on XX/XX/2021 in the amount of {$83.00}. Furthermore Goldman Sachs falsely reported to the credit bureau that I was late which has caused damage to my credit score. 

I would like proof from Goldman Sachs that I did not satisfy XX/XX/2021 statement balance in full, and I can assure you they can not do so. Goldman Sachs have even failed to explain to me how I was late the multiple instances of me trying to reach out to them to get an understanding the current situation which they failed to disclose the steps to resolve the problem of my account. 

In the month of XX/XX/2021 the minimum payment required was {$25.00}, A payment was made on XX/XX/2021 in the amount of {$850.00}. A secondary payment was made in the same month on XX/XX/2021 in the amount of {$300.00}. This is a total of {$1100.00} payments made in the month of XX/XX/2021 to which XXXXoldman Sachs says I am late. How is this possible? 


I will submit proof of payment made here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
So contact Banana Republic after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a Gap Store Credit Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a Gap credit card that can be use already at Banana Republic & Old Navy. So only if was XXXX ( aka XXXX XXXX ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but XXXX attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue wXXXX XXXX XXXX when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes XXXX hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.

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 2021-12-15 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: NY

Complaint narrative:
I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a Method of Verification letter.

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 2021-12-15 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My Venmo account was closed for reasons unknown. When I reached out to the company for more information and to try to unfreeze my account they told me their decision was final and that they would be permanently deactivating my account. They citied improper account activity but did not explain any further. Ive had the account for years with no issues. I have no clue what was done wrong. If the account cant be reopened theres nothing I can do, but I can at least be given a reason for their action. Venmo should give warnings to their users prior to randomly shutting them out of their service. Its abrupt, weird, disruptive, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed {$94.00} charge from XXXX XXXX XXXX on my Capital One XXXX XXXX ending with XXXXCapital One is refusing to honor the dispute, even though I have provided statement from XXXX which shows that I paid the full amount corresponding to my stay in XXXX as well as a signed letter to Capital One stating the same. 

I have called Capital One three times to resolve the matter but their agents refuse to handle the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: PA

Complaint narrative:
I have called TransUnion 13 times between XXXX and XXXX to remove fraudulent information just to be continually redirected or told to call consumers for letters. Customer service reps just seem to spit off automated responses. I have sent 3 dispute letters over the same inquiries. This third one certified to ensure delivery. It's bad enough people have to deal with fraud but getting the help you need to remove it is latter 's, a million phone calls, more letters and jumping through hoops of fire!

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 2021-12-15 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: TN

Complaint narrative:
I wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: TN

Complaint narrative:
I wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

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 2021-12-15 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This company " Bureau Of Med Economics '' and XXXX XXXX are in violation of my Hippa rights. I've attached correspondence between myself and this company. They've provided my my health records with providing my a Hippa signature... .This is a violation of the Fair Credit Reporting Act. I do intend on filing a Lawsuit should this account not be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We bank with Wells Fargo. We just paid our rent and checked to see if our rent check cleared on XX/XX/XXXX, when we saw a transaction on XX/XX/XXXX from a company listed as XXXX XXXX XXXX for {$250.00} that we supposedly made on XX/XX/XXXX. Not only was this transaction not authorized by us, we have no knowledge of the company. We called Wells Fargo that day to dispute, but it is still listed as an authorized purchase.

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: AZ

Complaint narrative:
I logged on to XXXX XXXX and seen an delinquent account Lewis, Mcdonald & Associates opened XX/XX/2020 for the amount of {$1700.00}. I disputed it XXXXhree times with no results, I also contacted the company and I found out it was a collection agency that collects for several trac phone companies. I have never had a trac phone. I have an account with XXXX XXXX XXXX and account with cricket which is also with XXXX XXXX XXXX and Ive had those accounts for about eight years or so. When I called to inquire about this charge the rep said there were eight other people with the same name as mine XXXX XXXX and they had no other info other than that! I emailed the company on Friday XXXX XXXX in regards to the discrepancy and Im currently waiting for a response. Im reaching out to you now because I was told by a friend in the fraud department at a bank to file with your department so here I am. I hope Im doing things in the right order. I had a sprint bill in default and currently paying that off but this trac phone thing is not my doing. Thank you for listening. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
On XX/XX/21, I was approved by a lender ( Santander ) and I accepted the approval and sent in my {$500.00} deposit. Days had passed and I finally got the contract via email and signed the same day on XX/XX/21. On XX/XX/21, I received the paper contract and returned on XX/XX/21 with my {$1500.00} deposit wire. I received an email on XX/XX/21 saying the purchase was complete and the vehicle was on the way and should be to me by XX/XX/21. 

I received the vehicle early, surprisingly, on XX/XX/21, and headed out of town. On XX/XX/21, I got an email and call saying the finance application was denied because they ( XXXX ) did not get the paperwork to the lender in time. They then wanted to add 4 points to the interest rate or take the vehicle back. 

I did my study and contacted an attorney plus the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and was told by each of them that once the contract is signed by both parties, legally, XXXX must abide by those rules, and the vehicle is mine. 

I also had a trade-in on the deal, but my trade in vehicle is still sitting in my lot and I still have to pay insurance on it etc. 

Since then, I have heard NOTHING from XXXX. I also have not received my registration or permanent tags, and have not received any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for a loan with several companies and they replied they were not able to view my credit report. One company saying they couldn't view the report is normal for normal fraud but all the companies that I tried reported they couldn't view my credit report. I called the reporting company TransUnion and they said the companies could view my credit report. So XXXX XXXX XXXX is lying and others also. I find the constraint of not having a financial market frustrating especially since a bankruptcy just dropped off my record. I cant get a loan no where I tried all listed online. Please, just tell me whats going on?

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
I received a notification that on XX/XX/21 that an account went into collections that was attached to my ssn. I contacted the company directly and told them, Im not connected to address listed where debt originated. I filed a police report for identity theft nothing happened or the police didnt think it was important. I contacted the debtor again and they still wont remove the bill, Ive tried multiple times reporting it as identity theft to transunion with no results. The next step is suing the debtor to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I initiated a dispute of {$250.00} against XXXX XXXX XXXX on my Chase United Quest credit card in XXXX, as they ( XXXX XXXX XXXX ) did not provide the service that they promised. On XX/XX/XXXX, I received a letter from Chase saying that the merchant responded and that Chase was agreeing with the merchant and considered the dispute closed. Along with the letter from Chase was an attached letter from the Vice President of XXXX XXXX XXXX. I read through the lead where he made numerous false statements against me, and I immediately called Chase asking to re-open the dispute. 

I called Chase and was told I had to fax my account of events along with any evidence that I had. On XX/XX/XXXX, I faxed my statements along with evidence that the Vice President of XXXX XXXX XXXX was lying and that they never provided the service that I had paid for. 

Chase sent me a letter on XX/XX/XXXX, again, saying that they considered the dispute closed. I called Chase again in which the Customer Service Representative told me that Chase took the original letter that XXXX XXXX XXXX published as evidence, and did not ask for further evidence even though the letter I faxed in clearly showed that XXXX XXXX XXXX was at fault. 

I told Customer Service Representative that I wanted to re-open the dispute again and they told me that the time period for that has expired. 

Chase 's unwillingness to even read my letter, which clearly showed XXXX XXXX XXXX 's deceptive business practices is what led me to file this complaint. 

I am attaching my dispute letter to, and all the evidence I submitted to Chase below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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