vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022 I received a call from my XXXX XXXX XXXX XXXX phone number claiming there was fraud on my account. I asked them to verify my identify, so she stated my name, social security number, and address. I felt safe to proceed talking to her because the information stated was correct. She verified my identify by sending a code to my phone which I repeated back to her. I did not know that this individual was a scammer and the code I repeated back to her gave her access to my XXXX XXXX account. She then had access to my apple XXXX. The scammer opened an Apple credit card with my identify that same day. 

On XX/XX/2022 I called XXXX XXXX XXXX XXXX to verify the call and they did not verify it. I determined I had been scammed and began to process of shutting down my bank accounts and credit cards and opening new ones. I almost placed a freeze on all 3 credit bureaus, changed my primary email address, signed out of all my apple devices and created a new apple XXXX and changed all my passwords. My XXXX XXXX XXXX XXXX debit card was charged {$1000.00} which they are currently disputing and has credited me this amount as of XX/XX/XXXX. 
I called Apple and reported the credit card fraudulently opened in my name of which they are investigating now. I believe the case number is : XXXX Apple Credit Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX which they asked me to send my complaints and reports to this branch to speed the process of shutting down the fraudulent credit card. They reported to me the individual had spent a {$1000.00} on the credit card and then they paid off that amount. The card currently had a {$5.00} balance on it when I talked to Apple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: SC

Complaint narrative:
During our flight on Frontier Airlines in XX/XX/2022 from XXXX XXXXXXXX XXXX to and from XXXX, XXXX ( XX/XX/XXXX going and returning XX/XX/XXXX ) the airline stewardess talked up Frontier 's Mastercard stating that it had great perks ( including a {$100.00} flight credit for your next flight ) and points to use for flights. She also stated how Frontier has great flight options. 

We were sold, and as soon as we returned home in XXXX XXXX, we applied for Frontier 's Mastercard. After paying a {$89.00} fee for the card and using the card for XXXX XXXX, we were eligible for all the perks the stewardess had talked about. 

So, we used the {$100.00} flight credit to book a flight in late XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX 

A few weeks later, Frontier cancelled most of their XX/XX/2022 flights including ours, and all their flights from XXXX XXXX that were scheduled for XXXX! Nearly 2 months of flights cancelled at once! They also don't fly from XXXX XXXX during the winter months. 

If we knew that they were going to cancel 2 months of flights this fall from XXXX XXXX where we live, we would not have applied for their card. 

I've called Frontier and also Mastercard and asked for a refund of the {$89.00} annual fee since in my opinion the card was presented under false pretenses that the perks of the card could help me with Frontier flights out of our home airport in XXXX XXXX. 

Frontier Airlines and Mastercard both told me that they would not refund the {$89.00}. ( Frontier airlines said to call Mastercard and Mastercard said no but that they would look into it but never contacted me back as promised ) Would appreciate a refund of the {$89.00} Thanks 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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX. 

On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX. 

I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX 

I told the bank the XXXX does not end until midnight. 

They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off. 

I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX. 

Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere. 

To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated. 

We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts # Dispute XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account has been closed due to inactivity.| Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone # XXXX Discrepency Between BureausMissing Data XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account Details Payment Status Account XXXX XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks The following Accounts was in dispute- unresolved Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Installment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 ______. 

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. 

Best, XXXX 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 non-monetary relief
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
I Have Payed Off Full Account Balance With Original Creditor. XXXX XXXX & They Just Posted Yesterday That I Owe {$81.00} To XXXX XXXX On My Credit Report Which Is False Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been the victim of identity theft since XXXX and I have contacted Equifax several times in order to get remove these fraudulent inquiries I have in my credit report and they have failed to do that. I have the following inquires unauthorize : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX Account # 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 2022-08-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX Account # 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 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with DISCOVER in XXXX of XXXX. I never asked them to send me a bill. in XXXX 0f XXXX  they sent me a bill. In this bill were FDCPA violations 15 USC 1692b ( 5 ) using symbols and profane language, 15 USC 1692 ( f ) charging interest on a consumer credit transaction, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. And violations in FCRA 15 USC 1681a 3 ( f ) aiding and betting debt collectors and agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On my credit report for equifax XXXX XXXX, & XXXX its stating that I owe {$500.00} to a credit union in Wisconsin. I never opened any accounts. How can I be late if I never agreed to pay any payments. Also how can I be late if the debt isnt mine? I sent in dispute letter in XX/XX/XXXX. 2022 to delete also incorrect addresses and number on file. Havent heard anything back. I called by phone XX/XX/XXXX to remove items off my credit profile due to violating 15 U.S.C 1681 ( a ) 3-4 and 15 U.S.C 1681b ( a ). They still didnt remove items for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Rep said he didnt care about my rights, rep said he knows the federal law and still will not delete or dispute any info on my report. Rep stated that he knows its my rights and understand my rights but their policy states they can not help me. I wants 2 accounts and all hard inquiries removed. Equifax should not be responsible for holding any any of my personal info. They need to delete all accounts and collections. They have no respect of our rights. XXXX iD number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX PM, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX AM requesting assistance with this issue but this is still unresolved. As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my XXXX XXXX with XXXX and XXXX has too been affected by decreasing at least XXXX points. Phone call dates : XX/XX/2022 at XXXX PM- Spoke to XXXX XX/XX/2022 at XXXX AM - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX AM - No Answer XX/XX/2022 at XXXX PM - No Answer Complaint number XXXX was submitted in XXXX and there has been no resolution to issue, I recently applied for an auto loan ; which could not be processed because there was not record of my current auto loan with 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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I attempted to withdrawal money from and XXXX ATM in XXXX, CO. Cash never dispensed from the ATM, and it flashed to Out of Service immediately after. I contacted the ATM company who reviewed the transaction, agreed it was bad, and provided me with Case ID for my bank to see. I have not been given a Regulation E provisional credit and its been almost 2 weeks now. The customer service email will send me the same generic email response to everything I ask. The customer service over the phone was giggling and laughing the whole time and only would repeat the same information as the email. My bank is saying they need 45 days to investigate, although the merchant has already cleared the return and provided a case ID to reference against. I can not get any help at all. The bank is Chime, under XXXX XXXXXXXX XXXX  and XXXX. This has prevented me from paying bills and buying food, and its terribly inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, XXXX, and TransUnion on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.

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 2022-08-06 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:
Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, Experian, and XXXX on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.

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 2022-08-06 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX 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 an 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 2022-08-06 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: OH

Complaint narrative:
Today, XX/XX/2022 I have contacted Equifax to deal with this violation of my rights. 

I was affected by the Equifax data breach and Equifax is in gross violation. Per 15 USC 1681 ( a ) 3, Equifax has assumed this vital role without my consent or permission. Equifax did not respect my right to privacy.

Equifax did not exercise their grave responsibility. Equifax reportings were unfair, partial and unconsensual. Equifax did not respect my right to privacy.

I never instructed Equifax to furnish this report and I never consented to this report. Equifax does not have permissible purposes as per 15 USC 1681b ( 2 ). 

These violations are undermining my confidence in the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Nelnet, Inc.
State: TX

Complaint narrative:
U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with Great Lakes. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. Great Lakes has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.

Company response to consumer: Closed with explanation