vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: GA

Complaint narrative:
On XXXX I placed an order with XXXX for {$160.00}. 
XXXX it shipped from XXXX On XXXX i started tracking ( bc in the past their packages have always arrived quickly. 
From XXXX to XXXX it showed just sitting with no updates or movement. I tried to contact XXXX via their app, as they don't have a phone number, no one every replied. 
On XXXX I filed a dispute with my cc for the amount. The package still hadn't moved and XXXX still would not reply. 
On XXXX I ordered the items they still had and we DID receive that package quickly. 
On XXXX I checked again and it still showed sitting in transit with no movement ( attached screen shot ) FINALLY on XXXX at XXXX : XXXX EST XXXX sent me an email telling me the package was lost and asking if i wanted a refund or for them to reship. 
I replied within an hour and advised them I wanted a refund because I had already reordered and received the other items. I also had to click a link on the email and click refund. 
I did NOT cancel my dispute as I have learned to not do that till refund comes thru. On XXXX, Goldman Sachs emailed me that they found in favor of XXXX and I was not getting a refund. I contacted Goldman right away and asked how they could find in favor of XXXX when the package was lost and they even said it was. I was told that XXXX told them I ordered the items. I explained it was never an issue of me ordering them the issue was the package was NEVER delivered. So Goldman sachs made me open a 2nd dispute for this same issue, which i did on XXXX. This time I sent them the email from XXXX stating the package was in fact lost. 
On XXXX, i get another email that they sided with XXXX again. I called Goldman again to find out how in the world they could side with XXXX when I sent proof it was lost. They said XXXX sent them proof it was delivered. Since it was not delivered I asked to see the proof. On XXXX i got a photocopy from Goldman that showed the package was IN TRANSIT on XXXX, This is also a screen shot i had from XXXX showing the package was " in transit and not delivered ''. 
Nothing shows it delivered. And again, XXXX emailed me on XXXX stating the package was LOST. I asked for a supervisor at Goldman and again was told they would have to open a dispute. So this is the THIRD time they are making me dispute this and refuse to help me. I have the emails, screen shots and what Goldman sent me showing it was NOT delivered. Goldman will not allow me to talk on the phone with them and constantly make me use texting. It is not going on 5 months and they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 I submitted my monthly car loan payment, due on XX/XX/XXXX. Several days later, I realized that the money had not left my account. I logged into my account and noted that my XX/XX/21 payment had been reversed and I was charged a {$50.00} fee. I never received email notice of this. I chatted with an online representative who informed me that the account number I had entered was missing a number and that the fee could not be removed until I my payment was posted. That day, XX/XX/2021, I submitted payment in full minus the late fee. The following Monday, I logged on to see if the payment had posted and it had. I chatted with another representative who informed me that this was not a late fee, but an annual fee. A few days later I received notification in the mail that I had been charged a {$50.00} fee for " return payment fee. '' The notice notes that " a payment posted to your account has been returned by your bank '' On XX/XX/XXXX, I called Truist Bank and the representative told me that the fee could not be reversed because my payment had been returned. This is inaccurate. I inadvertently entered the wrong account number therefore, no payment was returned by my bank as the account number was incorrect - there was no bank tied to the account number entered. I should not have to pay a {$50.00} fee for a payment that was ( 1 ) not returned by a bank and ( 2 ) was paid well in advance of the due date.

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 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect.

I owe NO amount to National credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I haven't had an account with XXXX XXXX XXXX for close to 10 years. This collection has to be an error. I never had a four-digit access code which is what XXXX. XXXX requires I input XXXX when I try to call them to tell them this isn't my account that they gave to ERC to collect on. ERC says they can't talk to me about the debt because XXXX recalled it. So no one will help me get this invalid collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FL

Complaint narrative:
Debt collection is fraudulent and needs to remove from my consumer credit report from all three agencies XXXX, XXXX and TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO

Complaint narrative:
Opened a checking account with XXXX XXXX ( administrated by Bank Mobile , account by Customers Bank ) in XXXX, app said that account can't be used until debit card ships, patiently awaited for weeks, no card, submitted missing card request, weeks later no card. Finally go to try and contact again to get a card shipped and was told my account was closed by their Security Team, and that I am unable to apply for another account. 

Contacted customer service to see what happened, as there's obviously some kind of mistake, and was told there is absolutely nothing I can do ( appeals, information request, escalation, etc. ) and no one I can contact at all regarding this issue by both tier 1 and their executive customer service team. 

Since I am not a bad actor or any kind of security risk, there has obviously been an error, or XXXX XXXX has information that I should be aware of ( potential identity theft, etc. ), but that they won't provide or help with in any way.

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 2021-11-05 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: NC

Complaint narrative:
I got a letter from TRANSUNION dated, XX/XX/2021, stated We received the identity theft block request you recently sent to TRANSUNION. However, TRANSUNION at this time declines to block the information you have identified for one or more of the following reasons : a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. So, I sent TRANSUNION a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 3rd time, an affidavit of truth, two forms of ID, and a bank statement. TRANSUNION received all of this on XX/XX/2021, at XXXX XXXX  Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I checked the dispute results and TRANSUNION stated the item would remain because it has been verified. This is inaccurate because all of the accounts Ive listed are apart of identity theft. I never gave my consent to have any of this. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.

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 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: SC

Complaint narrative:
The account below is not mine, I have no knowledge of the creditor below. 

REPUBLIC FINANCE XXXX {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
on XXXX XXXX, I sent CREDIT COLLECTION SERVICE a letter about a error concerning a alleged debt of XXXX. I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$140.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter about a alleged debt of XXXX that i don't owe nor had any dealing with. i requested certain information as follows : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: OH

Complaint narrative:
On XX/XX/XXXX, world remit allowed someone to make a transaction for XXXX dollars in my name. I do not have a world remit account, nor have I ever done business with this company. After reporting the fraud to my bank and initiating an investigation I researched world remit on the XXXX XXXX XXXX World remit has hundreds of complaints about the company allowing fraudulent transactions. World remit clearly has XXXX concern that their company is allowing people to easily commit fraud using their system and allows it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During the COVID-19, I contacted my server and they offered a forbearance, during this time my husband was on XXXX  and after XXXX working for my employer, I was XXXX  at age XXXX. Our mortgage is in foreclosure status, no sale date yet, I was denied a modification and the owner does not accept the amount to be put on the back of the loan. I believe I have tried everything, other than bankruptcy. My husband is XXXX old and is receiving XXXX XXXX XXXX and I am receiving XXXX XXXX currently looking for employment. At this age I feel helpless. I feel I was mislead and given wrong information. During this pandemic, I was offered the forbearance and I was told after the forbearance, Their would be other assistance I would be able to apply. I applied and they denied me for all the assistance that was offered, because I did not pay anything during the forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect. I owe NO amount to IQ Data

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the item in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of erreneous accounts reporting on my Credit Report : Late/Closed XXXX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX CARD-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MD

Complaint narrative:
FRAUDULENT ACCOUNT REPORTING THAT I HAVE NO CONNECTION TO. 
ACCOUNT NOT IN MY NAME NOR AM I A PARTY TO SAID ACCOUNT.

Company response to consumer: Closed with explanation