vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Today 's date XXXX XXXX/24 Goldman Sachs I am writing to dispute a billing error in the amount of [ {$.00} of interest ] on my account. This is affecting my credit score and this is not the first time I've had this issue and had to call the credit card company about it. I have paid my bills on time and they continue to bill me interest and say I haven't paid when on time, when I have proof of payment. I even received notifications from this Goldman Sachs credit card company, saying " A payment is due on XXXX XXXX. Pay {$0.00} to avoid interest charges. '' I of course made no payments since that message makes no sense, there was no payment to be made, all my payments were made on time. I have screenshots of this. The amount is inaccurate because I have proof of payments and calls with this credit card company multiple times with this exact situation. The last time, the representative said to make payments of {$45.00} and everything should be corrected. I hesitated but I still did it and of course, I was still charged interest, that has dinged my credit score twice now. This has brought my credit score down from XXXX to XXXX in just a month. This is not okay. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of the screenshots that prove I've made the payments on time and the notifications sent of having to pay {$0.00} to avoid interest. I am currently on the phone and have been trying to resolve this with the credit card company for over two hours now. They are not helping me at all and are treating me horribly, along with not being willing to see my side and the fact they on their end, they don't have the information I have. I say I received a message from you guys saying to pay {$0.00} to avoid interest charge and they say, " We don't have that on our end, do you have proof. '' I say, " Yes I do. '' Just for them to say well we don't have it on our end and on our end it says you didn't make the payments on time, just going back and forth with me. They are not willing to do what it takes to resolve the situation. Which is why I'm here. I plan to close my account and do a balance transfer to another account after this experience with Goldman Sachs. I hope you can support my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
credit plus place and hard inquiry on my credit report that Im not aware of and I would like it to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX XXXX account to JPMorgan Chase at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CATHAY BANK
State: CA

Complaint narrative:
On XX/XX/year>, Cathay Banks worker sole me the fake banking product and opened a fake CDs account without consumer authorization. 
( Account number : XXXX ... )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have, after received the response to XXXX complaint, # XXXX, exclaims appropriate by Wells Fargo XXXX XXXX XXXX XXXX XXXX, the letter dated XX/XX/2024, contained malfunctions, phone address, be relevant reach agents, exclaimed by the letter 's composition indications, should be correct available, in order further discuss remedy my complaint, attempt to contact both XXXX XXXX XXXX XXXX of XXXX XXXX branch, at ( XXXX ) XXXX, and XXXX XXXX XXXX, author, of the response letter, office, Escalations Representative, attending XXXX XXXX XXXX, his phone address be exclaim, ( XXXX ) XXXX ; Theirs phone 's malfunction. 
I was again become very upset with regards the continue malfunctions at concerns there Wells Fargo relevant, at other primary juris. banking errors. 
I have been very much caused upset mine VA diagnosedXXXX XXXX XXXX XXXX, again by this incident, concerns Wells Fargo 's phone address malfunction, and I am compel by here incident, caused additional injury, upset to illness, ask Wells Fargo bank 's management for an by law should be available me, now " claim form to injury '' jurisdiction, that occurs by fault Wells Fargo.

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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX Amex gift card not working. Called to have them replaced but for ore than a year got the run around and every time I called ( XXXX ) XXXX they would say to call back in 48hrs. Called more than 20 times. Never getting anywhere. Below are both defective cards. XXXX XXXX. XXXX. 
{XXXX  Amex gift card. XXXX exp. XX/XX/year> code. XXXX XXXX  Amex gift card. XXXX exp. XX/XX/year> code. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMEX recently raised their fees and my annual fee is due soon. I don't need the card, and it no longer makes sense for me to pay the fee, especially now that it's been raised by 50 %. There is no way on their website to find a ) when the next fee payment is due or b ) how to cancel the card. I tried chatting to contact someone, and there was a XXXX wait. Essentially, I am being held XXXX : Either I sit online waiting for them to reply or they charge me {$150.00} for something I no longer want or need. XXXX was sued for similar. I hope AMEX is too. This is clearly coercive and harmful to consumers. 

I expect my card to be cancelled before my next payment. I will not pay a dime now that I have tried to cancel and they will not let me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your file as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XX/XX/ I filed a dispute with Experian regarding addresses on my credit report, Experian responded by removing my current address from my credit report. This is potentially very damaging to me and my credit report. I never asked them to remove my current and only accurate address. This is the type of punitive actions that Experian takes against consumer trying to exercise our rights to have fair and accurate credit reporting in our credit files. This brazen act to bring harm to a consumer would only be taken if Experian knew that there would be no repercussions from the CFPB whom the consumer relies upon for redress. I have never resided at in XXXX Nevada, I have never resided in XXXX XXXX I currently reside in XXXXXXXX XXXX XXXX Experian refuse to remove the XXXX XXXX XXXX address and deleted my true address from my report. Experian 's negligence to address something as simple as updating personal information is a testament to the weakness in how they view a complaint from the XXXX A CFPB complaint means nothing to them If the CFPB all bark and no bite, at least if its pertaining to a consumer complaint. I am a XXXX XXXX  XXXX XXXX that suffers from XXXX, THAT IS NOW BEIG FURTHER AGGRAVATED BY THESE ATTROCIOUS CONDITIONS THAT WE THE AMERICAN PEOPLE ARE FORCED TO LIVE WITH. XXXX XXXX something about this 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 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I am a XXXX a part of the Sweet vs Cardona lawsuit involving XXXX XXXX XXXX. I am part of the automatic relief group, having submitted by Borrowers Defense Application on XXXX XXXX XXXX Relief to my servicer was supposed to occur by XX/XX/XXXX as per the settlement. This has not occurred. I have contacted the Department of Education numerous times, the lawyers who handled the case, the Department of Justice, the Attorney General, and more. Thus far all correspondence has been ignored. Thus, 9 years after I started complaining about this school, here I am once again. This time, now the country realizes what I had stated 9 years ago on this website, but now this department is violating the settlement agreement terms. V.B.2 -Failure to Issue Relief by Relief Due Date. 

Thus, I am filing a complaint to avoid litigation that costs the taxpayers more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Greetings, I recently received a communication from Wells Fargo ( WF ) instructing me to update the physical addresses associated with my accounts, or they would be closed. Historically, I had utilized a po box as my mailing address for all statements, but WF claimed they lacked a physical postal address on file for my accounts. In response, on XX/XX/XXXX, I visited a WF branch and presented the correspondence. The account manager assisted in updating my accounts with my home address as the physical address while retaining the po box for mailing. 

Upon leaving the branch, I believed I had fulfilled the requirement outlined in the letter. However, when someone attempted to deposit funds into my account, they informed me of the unsuccessful transaction. Upon inquiry, a WF representative explained that my accounts were frozen because the account manager had only updated the mailing address on the statements, not the physical address. I am now unable to access my funds, and according to the WF representative, I must wait for 10 business days. 

This situation has left me unable to pay bills, jeopardizing my credit, and, most importantly, impacting my ability to provide for my children. I am in desperate need of assistance.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX XXXX I used the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as prescribed by the legislation, to formally inquire with the credit bureaus - specifically, TransUnion, XXXX, and XXXX. In response, TransUnion sent me a letter dated XX/XX/year>, acknowledging the receipt of my request but expressing concerns regarding its authenticity, implying that I may not have initiated or authorized it. They recommended that I either contact them by phone or visit their website to dispute the accounts, essentially bypassing the FCRA 609 Letter process. My letter, sent on my official letterhead, emphasized specific areas in my credit report that needed review, included five forms of identification, and made specific demands in accordance with the FCRA 609 Letter guidelines. 

On the other hand, XXXX confirmed the receipt of my FCRA-compliant letter and detailed their plan of action, adhering to legal requirements. I sent identical documents, including bureau-specific credit reports, to all three bureaus via certified mail. When I contacted TransUnion to seek clarification on their lack of acknowledgment of my FCRA 609 Letter, their representative urged me to provide disputed account details over the phone and firmly directed me to follow the instructions in their letter, which appeared to circumvent the FCRA 609 Letter process. I vehemently declined this alternative approach. 

On XX/XX/scrub>XXXX XXXX XXXX I submitted a complaint through TransUnion 's customer email address, promptly receiving a ticket number. As of the time of filing this complaint, I have yet to receive a response from TransUnion. 

Attached, you will find the following documents : 1. A copy of the FRCA letter sent to TransUnion ( and the two other credit bureaus ) 2. A copy of the letter I received from TransUnion in response to the FRCA letter I sent 3. A copy of the email sent on XX/XX/XXXX to TransUnion regarding this issue. A ticket number was assigned, but I have been unable to get any response to my issue from 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 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
i purchased a XXXX XXXX  XXXX and i had some extensions on this car it was suppose to be paid off XXXX and it was pushed back until XXXX now they are telling me that all these other fees has been added and they are saying that i have to pay until XXXX, i would of had of paid over XXXX $ on a car that was XXXX $ as we all no that santander has put people like me in these loans where most people has lost their vehicles and i guess by me willing to pay my car off has left me with XXXX XXXX, why should it cost me a extra XXXX $ i am being robbed as we all know that they have had a very bed reputation with their misconception with customers i am begging for help i went on line for the online class action law suit in XXXX and i dont understand why i was not a victim of santander subprime scheme please help me with this situation soon! thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One place and hard inquiry on my credit report that Im not aware of and I would like it to be removed immediately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: CO

Complaint narrative:
Consumer Collections Management failed to verify the debt 's validity before moving forward and reporting my debt to the credit bureaus. The debt has been requested to be removed. However, my issue is that it never should have been placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in and ID Theft Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: FL

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report my credit immediately XXXX Removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report Immediately

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