vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Last seen XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  on XX/XX/23. My Insurance company has paid them over {$3500.00}. XXXX billed them for services that was paid already per the XXXX XXXX XXXX XXXX. Called this office several times and left messages with no response! Not giving me details about charges. Dental work not good. Have photos. XXXX XXXX turned a amount to Transworld Systems Collection agency with no information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Billing amount {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a claim to chase card benefit services about their Trip Cancellation/Interruption i summited all documentation they ask me for. I keep calling them and check the statues of my case and every time i call they told me some one will call me and they never do. In addition they claim i receive {$1600.00} USD from airline without proof. I did never receive that amout. I receive a credit wich expired XX/XX/2023. Other times they answer and hung up on me or let me on the waiting line for hrs/. At this point i don't have any answer of the claim. Online it still showing pending but i think they just trying to avoid or make me forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
I received a Promotional offer in XXXX of this year for my XXXX XXXX XXXX from the Issuer, Goldman Sachs Bank. The offer was for XXXX Bonus points when you spend {$200.00} thru XX/XX/23. I have attached a copy of an email I received from Goldman Sachs describing the promo after I had already registered for it in XXXX. 

There were XXXX transaction postings to my account during XXXX but before XX/XX/XXXX : XXXX. XX/XX/23 - Sale at XXXX XXXX XXXX : {$39.00} XXXX. XX/XX/23 - Payment : {$39.00} XXXX. XX/XX/23 - Sale at XXXX XXXX store : {$370.00} XXXX. XX/XX/23 - Payment : {$370.00} After the end of XXXX, I looked for the XXXX point Rewards credit on my XXXX statement, but did not see it. When I called Golden Sachs, the agent could not answer my question and asked me to submit a written request so they could research it, which I did. 

Today on XX/XX/23, I received a call from a customer service agent at Goldman Sachs. She advised that I did not qualify for the promotion because any Returns or Payments that posted to my account would have been subtracted from the Spend total that would count towards the Rewards Promotion. I told her I definitely understand Returns being subtracted, but subtracting Payments ( thus making them count against a cardholder ) makes no sense. By doing that, Goldman Sachs is penalizing cardholders for keeping their accounts current and/or paying more than the Min Pay Due. I also told her that was not disclosed in the Promotion.

The customer service agent was adamant that is how the Promo is supposed to work, and offered to walk me thru their Rewards Terms & Conditions to prove it. She pulled up her copy and I followed along online using a link in my online account. She read thru every section tied to Rewards Offers/Promos and there was absolutely nothing even close to stating that Payments would be subtracted from the amount used to calculate Spend ; but she still stuck to her guns, stating it would fall under other terms & conditions. 

I was reminded at the beginning and throughout the call that we were being recorded, so our entire conversation is on a call recording at Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I sent the ocmpany a debt valdiation letter to verfiy the debt that they claim I owed and requested they stop the collection process. I sent the request certified. Amonth later Im still seing this debt on my credit report as it seems they have not ceased collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX- Enroll to Capitalone 's XXXX XXXX XXXX  online and accepted XX/XX/XXXX - Used the card in XXXX and sent my full payment, along with {$390.00} Annual Fee. No problem. 
XX/XX/XXXX - Received an email to submit the following supporting documents. 
Government Issued ID/Drivers license - XXXX  Driver License Social Security Card Proof of Residence XXXX XXXX to XXXX Water Bill Bank Statements- XXXX XXXX  Checking from XXXX to XXXX XX/XX/XXXX - Successfully submitted the requested document. 
Case number XXXX Reference number : XXXX Around XX/XX/XXXX - Received a letter from CapitalOne saying the card will be suspended until further verification with the above-requested document. Made a call to CapitalOne told them I have already sent them all the document. Then they told me, it will take time to process and get back to me regarding the suspension of the credit card. NO ONE CALLED OR EMAILED OR ANY LETTER OF STATUS UPDATE from XXXX. 
XX/XX/XXXX - Called and talked to Agent XXXX, Agent ID : XXXX, and requested escalation to cancel my card and get the refund of my Annual Fee. He told me to wait for his supervisor, but I have to attend a meeting so I need to call back. 
XX/XX/XXXX - Called and requested escalation to resolve my annual fee with Agent XXXX, Agent ID : XXXX. The call was escalated to a supervisor name XXXX, and they said the case has been passed 40 days, so there is no refund, but she will escalate my case to their " Dedicated Team '' and someone will get back to me within 10 days. 
XX/XX/XXXX, & XXXX - I received emails asking me for payment. The card has been suspended since XX/XX/XXXX, and no one from CapitalOne has sent email, mail, or call to update on the status of my document submission, so I have no idea why there would be any charge to the credit card. Also, why would they refuse to refund my annual fee when they accepted my application online in XXXX, and then all of a sudden suspended my card and refuse to refund my annual fee of {$390.00}. It is a fraud to keep my annual fee. 
XX/XX/XXXX - One last call to see if their " Dedicated Team '' has any answer, but CaptialOne continues to have the same run-around. 

I hope CFPB can resolve this and get back my annual fee as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX compa both these companies have inaccurate information reporting to my credit report! 
I have never had a agreement or contract with either of these companies and i ask for them to be removed! they are also by law violating my rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Carvana Group, LLC
State: OH

Complaint narrative:
I purchased a XXXX XXXX from Carvana in XXXX of XXXX  with a warranty package. They are called XXXX XXXX. I had a slow air leak in the right front tire. When I went to XXXX XXXX XXXX in XXXX, XXXX, They said that they could not repair the tire because it was two years too old for the vehicle. I had to purchase 4 new tires. XXXX XXXX said the tires were not covered under the Warranty Package that I purchased with the SUV. Carvana said they inspected the tires and they were fine. I disagreed. I think that the tire inspection was faulty. They refused to even pay just a percentage of the cost for the new tires. I think they are in the wrong and should pay for the new tires that I had to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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. 

XXXX 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 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. 

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was given a line of credit with " Room to Go '' through Synchrony Bank and I was told there will be no interest accumulated until after one year. They lied and now they are charging me unreasonable late fees and I can't get anyone on the phone to discuss my concern. Furthermore I can't make sense out of my statement online. I notice they recently been sued for their illegal action. Can you help... 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 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Trasfered money via ACH into Cryptocurrency exchange. Week later they froze my account and restricted my account 's selling, buying, sending feature. Been a month and tried multiple times to reach assistance to remove the restrictions. Funds from my bank have cleared but Coinbase still holding my money/assets hostage. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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
Consumer complaint received 2023-08-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 an 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 then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I was informed months before getting a mortgage that I would need to take care of some issues on my credit report to bring my scores up so that I can qualify for a mortgage. That was in XX/XX/XXXX. I did as I was asked. I received a call from my mortgage broker stating that my scores went up and I was ready to look for homes and get my mortgage. XXXX XXXX my mortgage broker got a realtor for me, and I found a home and was told that the underwriter would approve a loan faster if I get a single-family home instead of a manufactured home which I wanted. I did as I was advised by my realtor and mortgage broker. I found a home and the home appraised higher than was thought. The underwriters and mortgage broker had me give many documents and I did as I was asked. I was also asked to come up with a certain amount of money for closing costs. I did that. I was even asked if I had a 401k and I stated I did. I was informed in order for us to close on the loan I would need a certain amount of money and the seller will be paying some closing costs. I pulled the money from my 401k. We had 3 closing dates and each day of closing there was another excuse, but everything that was asked of me I provided. At the last potential closing date because we had asked for an extension from the seller and was granted the extension, I was told the loan did not go through because of student loans which happened to be untrue. When I called the mortgage broker on the fact that it was not true and sent the documentation. I was then told it was due to late payments on a paid off vehicle. I explained I was late in XXXX and it was paid off but why are they mentioning that now when the loan had already been approved at this time. I did not take out loans or made any big purchases which I was told that would be the only things to not let the loan go through at this time. I had already given my complex my move out date, cancelled my cruise because we were closing too close to my vacation, so I lost my money for my cruise because we did not close on time. And needless to say, after all of this I was told no home for me the loan is not going through. Goodbye. I sent messages regarding the information was not correct and that I can try to get my daughter to help me which she refused to put her name on the loan. I was then met with no more responses from the mortgage company or broker. I was truly mistreated, misrepresented, lied to and I feel maybe discriminated against. I lost money, my new home, and for the mortgage company using so many banks or underwriters, my score went down drastically. I have the proof of how many times they pulled my credit which were hard pulls, along with emails, mortgage documents, homeowners ' insurance, title, inspections, appraisals, and many more documents. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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