vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I filed a complaint with the XXXX  and this affected my ability to get employment. My rights are being violated. Please Help me! 

I asked XXXX to fix this problem 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. 

I would like monetary relief per violation of my rights 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation. 


LVNV FUNDING Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Please fix these problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights.

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

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 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/2022, I submitted a payment to Apple Card for {$3700.00} to cover XXXX college classes. The classes were cancelled, resulting in a refund to our card. At the time, the card had an approximate balance of {$1100.00} and an installment balance of {$760.00}. I was told by Goldman Sachs representatives that I could request a transfer directly to my checking account for the remainder after the card balance was paid. On XX/XX/2022, the card balance was paid & {$1200.00} was transferred to our bank account. {$760.00} remained as a credit on our card. I was told the installment balance could not be transferred electronically & would be sent by paper check. I never received a check. Multiple, multiple times I was told the money would be sent to me, then told the request was denied. I talked to customer service, supervisors, and managers. Apple Card violated their installment agreement by forcing me to pay the installments off early by holding the refund hostage. Since the card balance was not exactly XXXX, the app would not let me pay anything other than the monthly balance towards my installment. The credit just sat there, unable to be applied & unable to be refunded. All subsequent purchases would then be automatically paid off by the remaining almost {$700.00} credit. Goldman Sachs would not apply the credit to my installment because they said it would violate my installment agreement, but they forced me to pay the balance early by holding my money. I was advised by Goldman management to try closing the card to force the payoff- but closing the card still kept my money in a holding pattern, still making monthly payments for XXXX  years. I had a credit line of {$9500.00} before closing & after reopening it dropped to {$6500.00}. I even considered returning the watch to get my money back, but Goldman could not guarantee the refund would not go back on the came card I had closed as a credit. Apple claims they can not help because they do not manage the Apple Card. Goldman Sachs can lie & mislead with zero accountability - every action they take they feel is justified, even after apologizing for what the were putting me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX XXXXXXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX XXXXXXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. 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 explanation
Consumer complaint received 2022-07-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On or about XX/XX/2022 I tried to get my reports using the XXXX 
The companies in question refused to provide me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: DISCOVER BANK
State: MI

Complaint narrative:
I purchased a custom-made doll from XXXX on XX/XX/XXXX, which had a delivery time of 4-6 months. At first, the seller kept in contact with me, but after the shipping time passed, she did not respond to my messages. After a couple of weeks of no response, I checked on the seller and saw that she had negative reviews that were similar to my issue. Additionally, her XXXX account was closed! I contacted XXXX immediately, but rather than help, they told me that I was a few days past their " guarantee '' and so they would not refund me the {$600.00} I was charged by the scam seller. 

I immediately contacted Discover, since I made the purchase on my Discover Card. This was XX/XX/XXXX. 

The Discover representative said they would let me know if they needed any documentation from me ; I NEVER received a request for documentation! 

On XX/XX/XXXX, Discover ruled in XXXX 's favor - I immediately checked to see their justification, and there are no details. I called Discover and they informed me I could still submit documentation, which I did. 

However, their decision several days later was the same. 

I'm honestly flabbergasted because I expect consumer protection to cover what is clearly a scam - a seller who charged hundreds of dollars for a purchase whose timeline goes past XXXX 's " guarantee, '' then closes her account when she's getting too many negative reviews... 

... yet Discover will not honor its own commitment to consumer protection? 

I feel frustrated an upset at both XXXX and Discover- this was a purchase over {$600.00} made to a clear ( in retrospect ) scam XXXX. Yet neither will make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update the account as I have not been late on any of these payments. 




* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX 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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC
State: MN

Complaint narrative:
My payroll deposit was credited to my account late on Friday, XX/XX/XXXX. I had some ACH debits that were scheduled to hit my account the same day my payroll was set to deposit, but because the payroll was credited late that morning, all of my ACH debits had been set to be returned as unpaid. I spoke with a representative, I believe her name was Dot, and she advised me that the transactions had already been returned, that no one at Betterment could fix them, and that I needed to re-initiate those transactions if I still wanted them paid. 

I did as Betterment advised me to, and I re-initiated the transactions. The following business day, Monday, XX/XX/XXXX, the transactions attempted to clear my account again. Although I had sufficient funds to cover the transactions, Betterment marked them all to be returned a second time. I sent Betterment a support message as soon as they notified me that they were returning my transactions again. 

After several hours, I was not contacted back yet, and so I called, and spoke to the same representative again, Dot, and she was confused as well, as to what was going on. After almost an hour on the phone, Dot said she would " escalate '' my account and that someone would contact me back. 

After waiting nearly all day, no one had contacted me, so I called again and spoke to XXXX. XXXX was helping me communicate with a manager, as he explained I was not allowed to speak directly to anyone in management. During my phone call with XXXX, he ended the phone call abruptly, with no explanation. 

I called back again and spoke to another representative. She explained to me that the account was too confusing for them and that I had to wait until everything settled, so they could figure it out, and that I'd just have to wait for someone in their back office to review my account, as apparently no one had looked at it yet. I told all the reps that returning my transactions was causing me fees and charges, and I only did what they told me to do on Friday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX Synchrony Bank sent a letter to me with the WRONG ADDRESS under my name in claiming that they have an account with them that was sold to XXXX XXXX XXXX, XXXX. This letter was sent to me XX/XX/2017. 
I have never opened an account with Syncrhony Bank and somehow the letter mentioned previously even shows an account number in Synchrony Bank. It also claimed a ridiculous credit limit and available credit for my age at the time. 

Now during XXXX they left me voicemails pertaining to the amount I owed, and they even CALLED MY SISTER regarding my debt which I think violates Fair Debt Collection Practices Act ( FDCPA ). 

Also I under my credit report somehwere around 2017 they started showing up as debt collector claiming I owe them a certain amount which I believe hurts my credit score. So I was wondering if this can be fixed by your agency, many thanks.

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 2022-07-11 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: GA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Citizens Bank bought my mortgage in early XXXX. My payments were fixed at {$3200.00} monthly paid automatically from my checking account. My escrow payments went up for real estate taxes and insurance. The company sent me a letter on XX/XX/XXXX saying the payments would go up automatically, or " If you'd like to pay the ENTIRE ( my emphasis ) escrow shortage/deficiency amount of {$1100.00} that's shown on your enclosed Annual Escrow Statement in one payment please mail us the coupon below along with your check. '' Which is what I did. 

Below is a Note saying : " Even if you pay the full shortage amount, your loan payment may still increase if your property taxes and/or insurance premiums increase. '' Naturally, I didn't think it meant BOTH! My next payment was increased to {$3300.00}. 

I have always paid my escrow increases to keep my payments level and avoid confusion, and have done it probably 15 times over the past XXXX years of home ownership. This is the first time I've seen this. It's very misleading, deceptive and there is no reason they shouldn't allow me to pay the full increase to keep payments the same. They make more money by splitting it, I'm sure ( otherwise, why force me to do it? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CORELOGIC INC
State: TX

Complaint narrative:
credco pulled my credit on XXXX trying to obtain a credit application for a mortage this is fraud

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 2022-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good afternoon, This is a formal report re : an unauthorized transaction XX/XX/22 involving an attempt to cash a check for {$7000.00}. 

Bank of America, the account provider, has restricted my account and begun a fraud investigation. 

Kindly be advised this is in process, and I suspect it happened because my check book was recently stolen. 

Per BofA, the long-term solution is that I close my accounts ( checking and saving ) and create new accounts.

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 2022-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
My brother, XXXX XXXX XXXX, passed away on XX/XX/2021. My brother had a long bout with XXXX before he passed away. Beginning in XXXX of 2021 I have been trying to assume his loan along with seeking mortgage assistance from the assistance department. This process has been absolutley horrific. It took Midland Mortgage 4 months to send me an assumption package, while telling me over and over and over that it had been sent. I notarized and returned the package immediately, on XX/XX/XXXX, have called multiple times to confirm that they had all the documents they requested only to have them request the same documents over and over. I have sent his death certificate so many times that it is at the point that another request of this is inhumane and borders abuse. The same has happened with the Assistance Department. I have sent all the documents requested, have been told that my file is complete over and over, even in writing only for Midland to kick my file out for not being complete and place the property in foreclosure. I have been proactive, calling several times a week to make sure that my application and assumption is on track. I have been told that it is only for someone else to kick out my file and request all the same documents over and over again. This needs to be resolved and regardless of all my efforts Midland Mortgage has still be unable to make this happen. It's absurd.

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