vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I ordered a generator from Amazon using Amazon Synchrony Bank. The merchant was unable to deliver the item. I filed a dispute for non receipt of merchandise. Amazon advised me that Synchrony Bank is a separate entity from the store. I filed a dispute with the Synchrony bank on XX/XX/XXXX. They still have not given me a temporary credit while investigating the dispute. I called them and they advised that the balance will remain there while they investigate and that I am not responsible for the dollar amount. The only problem is that it is accumulating interest charges and my dispute is approaching the 60 day mark. I just want credit for non receipt of merchandise in the amount of XXXX Please see below : ORDER PLACED XX/XX/XXXX TOTAL {$1100.00} SHIP TO XXXX XXXX ORDER # XXXX View order details View invoice Undeliverable Track your package for details XXXX XXXX Dual Fuel ( Gas and Propane ) Portable Generator with Electric Start - 12000 Peak Watts & 9500 Rated Watts - CARB Compliant - Transfer Switch Ready

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have an account which has been charged off. It is with JPMCB Card Services in the amount of {$2800.00}. 

I pulled my credit report today and noticed that they are reporting me as paying them during the months of XXXX and XXXX, XXXX and XXXX, XXXX, and XXXX in XXXX. I can guarantee you I would not have made a payment on a charged off account, thus, restarting the timeframe for which it will fall off the report. Unless, of course, we came to an agreement. This is an erroneous error and egregious for that matter. There was not even a decline in the amount owed. 

This is a blatant violation of FCRA regulations and if the account isnt removed immediately, I will be seeking a minimum of {$1000.00} in damages per day per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the FDCPA ( including, but not limited toSection 807-8 ) Violation of the FCRA ( including but not limited to Section 623-b ) Violation of FCRA ( Section 695-c ) I have attached photo shots of my credit report. I went back as far as I could and noticed it started in XX/XX/XXXX. That would be the start date I would be filing for, if this goes to court. 

I hope we can end this amicably and remove it from my credit bureaus ASAP. I am still willing to settle the account for the amount discussed a few months ago if you move forward with this action immediately. Otherwise, I will get litigious and file at suit for above said violations Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: FL

Complaint narrative:
Please read thoroughly for complaint. Response below first paragraph. 

Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. The Bank appreciates the opportunity to address the issues raised by XXXX XXXX XXXX the Customer ). The Customers complaint references a dispute related to a transaction with XXXX XXXX on XX/XX/2020 in the amount of {$2800.00}. The merchant provided evidence stating the Customer exchanged the item, received a partial credit in the amount of {$42.00} and received a gift card for the remaining credit amount of {$1400.00}. According to the merchants terms and conditions, the Customer would receive a refund credited via the original payment method if the merchandise had been returned within 14 days of purchase ; because the exchange was initiated after that time period, the Customer instead received and confirmed receipt of gift card for the difference. As part of the investigation, the Bank unsuccessfully attempted a three way call between the merchant and the Customer, but the Customer refused to speak with the merchant on a three-way call. Based on the information reviewed during the investigation, the Bank does not have any knowledge of facts confirming a billing error, and the Bank resolved the dispute in favor of the merchant on XX/XX/2020. After reinvestigation, the dispute decision will remain the same. Based on the above details, the Bank kindly requests this complaint be closed. 

-- -- Goldman Sachs has failed to properly investigate this dispute even 1 year after the date of purchase. I ordered the item online on XX/XX/XXXX, received it shipped to me on XX/XX/2020, and only returned it on XXXX XXXX, when I was still within 14 days after receipt, confirmed by postal office, and returning it. Goldman Sachs in its investigation did not even verify that this is actually an online transaction! XXXX XXXX promised me a refund back to the credit card and I am still waiting for it a year after because Goldman Sachs can not do a proper investigation and should therefore fully compensate me for the amount claimed plus any penalties for being a year late in responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Consolidated Information Services Solutions, LLC
State: AL

Complaint narrative:
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX  XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: TN

Complaint narrative:
HAVING A PROBLEM WITH EXPERIAN AND XXXX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY ACCOUNT

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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
This account was paid in full in full on XX/XX/2021 and it should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NV

Complaint narrative:
I paid for an online school called XXXX XXXX XXXX XXXX XXXX ( XXXX ) with my discover credit card. Due to the pandemic, health-related, and facing hardship I was unable to finish the course with XXXX and XXXX refused to refund the money I paid even though I never received what I paid for. I submitted a chargeback with Discover card and Discover went in favor of XXXX leaving me responsible for the balance of over one thousand dollars, I've explained to Discover over and over that I have a medical letter excusing me from this school and also have provided proof of hardship, per consumer law if XXXX is refusing to refund my money, Discover card needs to step in and refund my money but Dicover is refusing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I, XXXX XXXX entered a consumer credit transaction with Santander Consumer on XX/XX/XXXX, which involved a finance charge pursuant to 15 USA 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Santander Consumer has been collecting monthly payments from me since XX/XX/XXXX which is in violation of 15 USC 1605 also Santander Consumer failed to disclose to me my right of recession and provide me with the appropriate form to exercise my right which is in violation of 15 USC 1635. On top of that Santander Consumer, is in violation of 15 usc 1692e ( 11 ) because no one informed me that this is an attempt to collect a debt in the initial communication. Also, Santander Consumer is in violation of 15 usc 1692f ( 8 ) unfair practices, because Santander Consumer 's Logo/ their symbol is on the envelopes. Santander Consumer is also in violation of 15 usc 1692g ( 3 ) because they failed to inform the consumer ( me ) of the opportunity to dispute the validity of the alleged debt within the proper time frame. Santander Consumer threatened to harm my reputation by reporting my payment or missed payments to the credit bureau which is in violation of 15 USC 1692d ( 1 ) .Santander Consumer is in violation of 15 USC 1692d ( 2 ) by using profanes and obscene language. Santander Consumer is in violation of 18 usc 1342 by using the mail to device artifice letters. Santander Consumer, is in violation of 15 usc 1692e ( 2 ) by falsely representing the character and amount of alleged debt.

In the attached documents you will see exhibits that support my claim. This is detailed information and my demands are clear and concise, 1 ) have a knowledgeable representative look over my complaint, 2 ) don't allow Santander Consumer to send a generic or vague response or respond to me directly 3 ) have Santander Consumer Report to me here for my record. I Grant Santander Consumer and the competent representative to respond via cfpb. 4 ) Hold Santander Consumer to the highest standard of the law and don't allow them to just reply with anything and close the complaint. As a federally protected consumer under the title 15 chapter 41 my rights have been violated and Santander Consumer is criminally liable pursuant to 15 USC 1611 and also civilly reliable pursuant to 15 USC 1640 and 15 USC 1692k.

I mailed ( certified mail ) Santander Consumer a debt validation letter and a cease and desist along with and opportunity to correct their abusive acts/ practices in the form of an invoice on XX/XX/XXXX all I got was the fraudulent contract. I also mailed ( certified mail ) a notarized affidavit of truth and the exhibits also an invoice to Santander Consumer on XX/XX/XXXX, XXXX.I 'm sure by using your rights under 12 usc 5531 you will hold Santander Consumer reliable for prohibited unfair, deceptive, and or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I bought a car in XXXX from XXXX and bridgecrest was the company that financed the vehicle. My bank, XXXX XXXX, approved me for a loan to refinance the vehicle with better terms. I sent a check for {$26000.00} which Bridgecrest told me was the 10 day payoff amount on XX/XX/XXXX. Bridgecrest sent me a text message thanking me for my payment of XXXX. On XX/XX/XXXX one of their customer representatives called asking for payment on the vehicle. When I investigated the situation with my bank they said that Bridgecrest didnt endorse the check properly so my bank didnt release the funds.When I told one of their customer service reps what happened, they emailed someone in customer relations and told me to wait on a response. Bridgecrest sent me an email the same day telling me to send another check for the new 10 day payoff quote, which was an additional {$220.00}. I got another check from my bank on XX/XX/XXXX for {$26000.00} and I sent it overnight along with a personal check for {$220.00}. On XX/XX/XXXX they processed the check for {$220.00} but as of today, XX/XX/XXXX, my bank states that they have yet to process the check to pay off the vehicle. I have called several times and spoke with customer relations agents but all they do is send an email to their managers and I never get a call or email from anyone at this deceptive company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I do not recall giving Radius Global Solutions permission to access my medical information which they have provided in my last complaint. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by 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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/21 and previously, letter to XXXX and Transunion was mailed. I informed them that I had previously disputed Chapter XXXX Bankruptcy/XXXX, and in response each bureau verified the item as accurate, stating they have verified the information with the court and XXXX. I have contacted both court and XXXX and their response is enclosed.

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 2021-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
In XX/XX/XXXX of 2021 the financial Company that we have had borrowed cash on the equity portion the contract ended, they did not renew, they did not accept additional payment since we have sold the house and we informed them that we are selling the house and due to Covid-19 Many as us facing delays from appraisal, evaluators, buyers, Mortgage company etc., we have again on many occasions informed them we are facing delays to close, they were charging fees late payment which we did not have any payments since they did not renewed and we informed the Tittle we are awai9ting from the financial institution on escalated fees final payoff do not pay the XXXX in charges in a month or so, the financial company delayed the escalation and revised amount, m title company paid without approval on the amount and revised and or negotiations, now between 2 months we have paid payments and fees and interest close to {$31000.00}, they totally ignore us and do not reply, please need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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:
several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been trying to log into my CoinBase account for months now. Evey time I try to log in I get 'account is temporarily disabled '. I keep filing support requests with them, and they just close the tickets with no resolution. I have more then $ XXXX dollars in there and I can not get it out. They have no phone support and I have no one to turn to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01 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: OneMain Finance Corporation
State: AL

Complaint narrative:
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 1ST FRANKLIN XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2021-05-01 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: NC

Complaint narrative:
XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hello, OnXX/XX/XXXX, I received a targeted promotion for opening a checking account. The offer is attached as " Citi promotion.pdf ''. I opened the account and met all the requirements to receive the {$200.00} bonus. This targeted offer contains all the terms, as well as the promotional codes on page 4. 

The promotion can also be viewed via this link below ( as well as the backup below it ) : XXXX XXXX XXXXXXXX? XXXX https : XXXX : XXXX? XXXX XX/XX/XXXX-Citi Representative stated that I have met all the terms for the promotional bonus, and to wait 5 more days for it to post XXXX-Reached out to Citi again, and they asked for the promotional code associated with the offer, as they could not find any offer tied to my account. Every representative I spoke with could not find the promotional codes ( XXXX ) I had received within their system. The final result was for the representative to file a promotion dispute, which was done. 

XXXX-I followed up again with Citi, and the representative said that the promotion dispute could be aided by emailing a copy of the targeted offer to XXXX, along with the case number, my account number, and full name. I did this. 

XXXX-I followed up again twice with Citi, and both representatives said that the alias " XXXX '' is for debit card disputes. This meant that the action I took on previously was ineffective. Their response was that there was no email address I could send the targeted offer to in order to aid the case. After calling back a 3rd time that evening, the representative I spoke to did open the case back up, and said that someone from their back office would reach out to me, with no timeline given. At this point however I have gone through too many hurdles, many of which have amounted to nothing in the end. 

Given the tiring and inconsistent experience I was receiving, I'm hoping by submitting this complaint that the targeted offer can finally be viewed by Citi as an appeal to the result of the promotion dispute.

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