vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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 XX/XX/2022, I filed a chargeback on my Goldman Sachs XXXX XXXX credit card against the merchant XXXX XXXX XXXX. Within a few days I supplied documentation to Goldman Sachs XXXX XXXX credit card demonstrating that the merchants did not honor the terms of our agreement which I paid for, i.e. to secure a private business loan for my company in the amount of $ XXXX. 

In the past whenever I have filed a chargeback with any other of my credit card issuers and everyone I know personally who has had to do the same, I was provided a provisional credit in the exact amount of the chargeback and the merchant had 30 days to respond prior to the investigation being closed in my favor. 

XXXX with Goldman Sachs XXXX XXXX credit card I am told that the investigation may take up to 90 days during which time I can not use my credit card. In fact the card in question has a positive balance of {$1100.00} owed to me in excess of credit limit, none of which am I able to utilize. This aberrant customer service policy on the part of Goldman Sachs XXXX XXXX credit card is an opportunity cost and punitive decision harming me due to the merchant 's foul play.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit bureau does Not want show me My credit scorer on there official website, with a message show on there website regarding to my account ( We are temporarily unable to provide your credit score. Please try again later. ) I called Equifax company more than 4 times telling them Please show up my credit score and returning back my credit score, because you deleted it/ wiped my credit score all my years trying to building up, unfortunate they informed me there's nothing we can help you with. because this problem still exiting it's still affecting me with negative way I'm getting rejected apply for loan from XXXX 's because my credit score in Equifax credit bureau does not show up when XXXX 's run my CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware Equifax Information Services LLC are in noncompliance of Federal Law Gramm-Leach-Bliley Act, as a federally protected consumer my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Debt collectors calling constantly during early morning and late nights. Dont call constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: VA

Complaint narrative:
Equifax without my consent created and furnished a false credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with Portfolio Recovery Associates has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from Chase Bank on XX/XX/XXXX, that state as follow : " After careful consideration, we decided to close your accounts because of your association with a Chase credit card, deposit or investment account that was previously closed. '' 1- I am a Chase customer since XXXX. I have one credit card since XXXX ( Freedom Unlimited credit card ) and other one that I is 7 months old ( Chase Sapphire Preferred ) Also, I have a personal checking account that I recently opened in XX/XX/XXXX. 
2- During the past 12 years as a Chase customer I have never been late in payments, always pay my credit cards on time and the full amount every month.

3- I have a clean credit score of 800+.

4- I have never closed any type of account ( credit, deposit or investment ) with Chase in the past.

5- I went to my nearest Chase branch twice to try to fix this issue and ask them to make a reconsideration looking again on my profile, also called the customer service phone once, with no positive outcome.

6- I ask them if they can explain why they are closing my accounts, but they only said, the decision is final, and Chase will not reconsider my case, and no explanation given because the decision is " confidential ''.

7- I ask to speak with a supervisor and they told me no one can help me with that, because is " confidential '' 8- This unfair decision from Chase will have a big impact on my credit score, because XXXX XXXX is one on my oldest credit account. Also, my revolving credit limit will be less than half of what I currently have.

8- They are going to close all my accounts effective XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.

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 2022-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
I recieved a notice on XX/XX/XXXX the documents stated that a wage garnishment had been filed against me by Rausch Sturn LLP from a creditor named XXXX XXXX, XXXX. XXXX XXXX. XXXX with the total amount owed listed as {$3000.00}. I did contact the debt collector to dispute, as this debt was not mine. The date of judgement was listed as XX/XX/XXXX. I have never recieved any communication from this debt collector or the creditor on file. 

When I contacted the company on XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX. She stated that I could have one of their attorneys call me back to discuss the debt but they had already filed for garnishment on XX/XX/XXXX and that disputing the debt would not stop collections from my paycheck. I insisted this must be a scam or something because at what point does any collection agency have a justifiable right to take money from someone's check without any prior notice whatsoever, especially from a judgement they claim is from almost 15 years ago. I had no notice of any court proceedings, or any information besides this notice I recieved today on XX/XX/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 2022-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Edge Home Finance, LLC
State: TX

Complaint narrative:
I applied for a Mortgage with this company in XX/XX/XXXX, and this company requested certain documents and an agreement to pull my credit reports in order for me to qualify for finance with them, and once I produced these documents and agreed to allow them to pull my reports I was told by a XXXX XXXX XXXX with this company that I had qualified for a certain amount money, and then all of sudden XXXX XXXX stopped answering my phone calls and emails, he also stopped answering my realtor 's calls and emails as well. Its now XX/XX/XXXX and it's been months since me or realtor have heard from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested an investigation of XXXX XXXX XXXX which is inaccurately reported on my credit file. I have requested an update on status of this investigation in writing and via telephone but I have received no update as of yet

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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX Account was frozen after reporting unathorized transactions XXXX, case for transactions was awarded to me, was required to submit ID documents to unfreeze my account, later in the day my account was unfrozen. 
Less than 20 minutes after unfreezing my account, I got another email saying it was now frozen again, with no reasoning or explanation just to contact support. I contacted support and they told me I must wait 7-15 business days for an email followup and that there is nothing they can do or tell me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that American Express is attempting to collect a debt from I the consumer makes American Express guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV

Complaint narrative:
Received payment statement on XX/XX/22. Mailed payoff payment with payment stub and envelope provided by ECSI Heartland on XX/XX/22. Noticed payment has yet to be processed on XX/XX/22. Chatted with online representative on XX/XX/22 and was notified lender changed mailing address after payment was submitted. Student loan lender did not notify of mailing address change. Believe this to be an unfair business practice as a borrower as I have been compliant in repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
About 30 days ago, in early XXXX, I received a bank statement from TD Bank claiming that I had overdrafted my account. Looking at the statement, I noticed that several money transfer services were used under my name ( which I did not authorize ). At the time, I immediately tried called the bank ... and after waiting on hold for about an hour I decided to send them an email requesting the account be closed. I have not heard back from the bank, and today on XX/XX/2022 I received a second banking statement saying that I still owed money for the overdraft. I believe my information was used to open this account ... an action in which I did not authorize. Please do not do business with TD Bank as they have refused to answer any of my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This been a on going affair XXXX XXXX XXXX  account is paid off still showing on account XXXX. 

Net credit  XXXX opened in XXXX XXXX XXXX open in XXXX XXXX XXXX opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, Experian and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, Experian and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
XXXX, XXXX, XXXX, Experian and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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 2022-08-05 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by AmRent, Inc. AmRent, Inc XXXX XXXX XXXX XXXX and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. AmRent, Inc, XXXX, XXXX and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. AmRent, Inc, XXXX, XXXX and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
AmRent, Inc, XXXX, XXXX and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX was paid 2 years ago. 

XXXX XXXX  was sold to a third party without my permission. 

Medical bill was paid 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
NCB management services incorporated sent a letter on XX/XX/2022 to collect a debt of {$6900.00}. This letter was sent due to failure of NCB to send me the supporting documents that I asked to see in regards to the debt in question. I wrote NCB and asked that they remove the Debt within 30 days if they can not find the documents I needed, and report this to the credit bureau. I responded within the time frame that they needed no later than XX/XX/2022. It is now XX/XX/2022 and they still have my account under review and it has caused me extreme financial hardship due to the false collection tactics and shady practices that go against the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report

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 2022-08-05 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: DC

Complaint narrative:
XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank filed a foreclosure complaint containing a promissory note that I did not sign because the original lender denied my loan for the amount Wells Fargo is complaining of. Also, Wells Fargo attached a mortgage to its complaint to foreclose that did not have acknowledgements or have been sworn to before a notary.

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