vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
XXXX XXXX XXXX was sold to Marcus. I called, and paid the amount in full and instructed them to close the account. They did not close the account and charged a {$2.00} fee. On XX/XX/XXXX they charged another XXXX fee and reported me 60 days late impacting my credit. After a card has been closed, they have no right to arbitrarily keep the account open and keep charging fees for no purpose. XXXX XXXX XXXX, Marcus by Goldman Sachs is scamming card holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  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 XXXX : 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 2022-07-07 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: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
XXXXXXXX XXXX XXXX sold my account to Resurgent Capital Services. They harassed me and intimidated me into paying the balance owed, which a representative told me, after I paid in full the charged off status would be removed from my account. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Principe & Strasnick, P.C.
State: MA

Complaint narrative:
I received a letter in the mail in XX/XX/XXXX from Principe & Strasnick , P.C . Attorneys at Law charging me a private loan for XXXX XXXX XXXX XXXX XXXX of {$5000.00}. on XX/XX/XXXX I emailed XXXX XXXX back a authorization letter with my bank information and signature for them to process a monthly payment of XXXXXXXX XXXX  on the XXXX of each month to pay off the owed amount. I had spoken to them on the phone that day as well to discuss the owed balance of {$5000.00} which they told me it includes interest charge as well. This letter was the 3rd time I had received it, the first time I thought it was a scam letter and the 2nd time I called them and they told me they need to collect a debt balance for the school I went to from XXXX to XXXX which was only a 6-7 month program for a certificate. I received the certificate in XXXX for medical office assistant and they had no graduating ceremony for us and they did not want to give me my certificate until I went to go pick it up. The school was not a great school for me because they were low staffed with teachers and did not have all the medical equipment needed in order to learn. They are to over priced for a technical school just to receive a certificate. I would never recommend this school to anyone because they make false promises to students just to bury them with a huge amount of federal and private loan. Right now my federal loans for this school are on pause which they are thru XXXX because of the pandemic except this private one they are pushing me, harassing me to pay it off all at once. The attorney on the phone asked me if I can pay off the whole sum of {$5000.00} which I could not because I do not have that much money to pay that to them so they started bargaining and said they can reduce it to XXXX if I can pay it off all which I still could not, so they told me I can set up a payment plan with them and they asked me how much I can do each month, I told them XXXX $ a month is what I could afford and they said okay and emailed me they're authorization form to include my bank information and signature so they can deduct that amount the XXXX of each month starting XX/XX/XXXX which they never did. They made a court case with XXXX District Court in Massachusetts for XX/XX/XXXX for me to attend for this balance without ever taking any payment plan I had already made with them back in XX/XX/XXXX. I was willing to work something out with them and they did not take out the balance because they must want the full amount of {$5000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
There are two late payments on my report. Both of these are incorrect. I have paid all of my bills on time. The notable late payment is from XXXXBarclays on my XXXX  XXXX XXXX I paid this but the payment did not go through because of the transition by XXXX from XXXX XXXX BarclaysXXXX. I resolved this with the companies, but it still shows on my credit report. 

Please REMOVE THE LATE PAYMENTS on my report as soon as possible. I am applying to new apartments in new York and desperately need my credit score to be above 700. 

Thank you so much for your help. Please don't hesitate to call if you have any trouble resolving these errors. 

Thank you! 

XXXX 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 explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-07 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank bank says that my home depot card has not been getting payments when my bank says I have, they also say that I have to pay more because the promotional offer which I was Never told about ended. When I try to speak with them they call me a liar. 
They have now charged me an extra XXXX for this promotional offer ending. This bank is taking money from people unfairly.

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 2022-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The information you provided is different from other bureaus. This account is reporting late, in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX Balance : {$8100.00} Date of Late Status : XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Dates of Late Status : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information you provided is different from other bureaus. This account is reporting late, in my XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still those inaccurate item is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
When I applied for this RCI/Barclays Bank credit card on XX/XX/XXXX, it was with the understanding that I would receive a {$50.00} credit off my transaction of XX/XX/XXXX with RCI ( {$150.00} total transaction ). I have received and paid a bill from Barclays since that time and have not received the credit. I spent almost a half hour on the phone with Barclays on XX/XX/XXXX, who finally told me to contact RCI. RCI had told me to contact the credit-card company when I called them earlier. Credit card number is XXXX XXXX XXXX XXXX issued to XXXX XXXX. The description of the card is RCI Elite Rewards World Mastercard. I am authorized to deal with the issuer on this card.XXXX 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 explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}

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 2022-07-07 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: LA

Complaint narrative:
" The Heroes XXXX ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during Covid- 19 by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Experian is XXXX with XXXX and was delivered on XX/XX/2022.

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 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLLECTION SERVICES is communicating with me ( such as furnishing information on my consumer report to consumer reporting agencies ) about an alleged debt that I refuse to pay pursuant to 15 U.S. Code 1692c ( c ). CREDIT COLLECTION SERVICES has violated my rights as a consumer under the CONSUMER CREDIT PROTECTION ACT. CREDIT COLLECTION SERVICES is furnishing deceptive information to consumer reporting agencies as well as using deceptive, abusive, unjust means to coerce the collection of an alleged debt that I DO NOT OWE. Debts are the obligations of the UNITED STATES XXXX NOT ME. CREDIT COLLECTION SERVICES furnished information to consumer reporting agencies WITHOUT MY CONSENT. 

I attached my CEASE & DESIST letter with this complaint and the return receipt as evidence that I contacted CREDIT COLLECTION SERVICES regarding this issue and that CREDIT COLLECTION SERVICES received my correspondence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: PNC Bank N.A.
State: GA

Complaint narrative:
15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-07-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: HI

Complaint narrative:
In 2016, XXXX charge me for non-return of equipment. They had a drop box at their location which I used to return the equipment. They failed to scan in the equipment but agreed to remove the charge. Now Waypoint has purchased the erroneous debt and is trying to collect on it which adversely affected my credit score. I've called Waypoint but can't talk with a live person. Very frustrating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wallet was stolen outside a parking lot located in XXXX XXXX California. Someone tried to use use my information to open a Macy 's credit card. They bought several items with the credit card. Without me not knowing, I have already reported with the police, credit beuarus, and Macy 's Fraud Department.

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