vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
During XX/XX/2022, Apple Card offered a 5 % Cash Back promotion for a new card holder on their first purchase from Apple. I signed up for a new account on approximately XX/XX/XXXX and ordered a XXXX '' XXXX XXXX on XX/XX/XXXX. Due to shipping delays, the laptop was not expected to ship until XXXX XXXX. During that time, I used the card with the anticipation of paying off the full balance when the laptop charge hit so that I could have the full available balance for the charge. 

On XX/XX/XXXX, I got the alert that the laptop charge was attempted and did not clear due to insufficient available credit. I paid off the balance in full that day, but Goldman Sachs/Apple Card held my payment for 10 days. During those 10 days I called and texted daily both Apple and Goldman Sachs to try and resolve the situation. Per Apple, my laptop order would cancel on the XXXX, and per Goldman Sachs, my payment would not post until the XXXX. Goldman Sachs attempted to expedite the payment daily but " The System '' Would not let them since it was a new account, and no supervisor I talked to could do anything. On XX/XX/XXXX at around noon, my laptop order canceled, and 12 hours later around midnight on the XXXX the Goldman Sachs payment finally posted and I had the full available line of credit. 

I ordered another laptop and asked if I could get the 5 % cash back offer on the new purchase and was denied since it was outside of the offer window. I tried to explain that this felt like a bait and switch tactic since I was not the reason the payment was held, and that I did everything I could to make the offer happen. I was denied multiple times, and various cases were " sent up '' to departments with no follow up. The times someone did try to get back to me, they redirected me to front line support who could not do what I was requesting, or simply put in more cases that were never followed up with. Throughout the process of trying to get the payment expedited and trying to get the 5 % cash back. I was told multiple times that if I had first put the money in the Goldman Sachs Apple Cash account, that the credit card payment would have posted instantly which also feels rather dirty and scammy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage. My property is in XXXX, New York and I own three other rental properties in this same building but in XX/XX/2022, New York had a moratorium for landlords to not be able to evict tenants not paying. All the tenants in all of my properties stopped paying rent. The New York State moratorium was not lifted until XX/XX/2022. I contacted Shellpoint Mortgage to request the payments not made while on the forbearance be moved to the back of loan or the maturity date be extended by the numbers of months the loan was on a forbearance but I was told my loan is not eligible which I do not understand why the XXXX XXXX  XXXX XXXX does not apply to this loan which is owner occupied. I was told to submit an application which I did but Shellpoint Mortgage Said they will only differ few months not all the time while the mortgage was on forbearance. Therefore the loan monthly payment will increase Which will be above my means. I know I do not qualify for a traditional loan modification because the monthly principal and interest payment will increase. I am simply looking for a deferment under the XXXX XXXX  XXXX. Now, I can not even satisfy what they are looking for and will lose even more time pending foreclosure. Please help me so I can resume making my regular monthly payments with no arrears owed. I send them the usual monthly payment as per the original amount not with the huge increase that they are asking me for, I was told that that payment will be rejected and sent back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not remove a collection that is a duplicate report from XXXX XXXX XXXX. I have disputed this specific item 3 times with Equifax and followed up with a customer service representative about this dispute to no avail. 
Date Reported : XX/XX/XXXX 1st one reported Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$230.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX reported Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$240.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
Ameris bank holds my mortgage, try to re-fi with them in XXXX XXXX with thru process, got approved and a few days before closing was told that they did not know my home was a manufactured home even though they hold the loan. ( Paying for 20 years ) said they could not do a cash-out re-fi because of this. then offered a noncash-out re-fi. we said ok and sent in the new signed paper work. then 2 days later they ( ameris ) came back and said THEY COULD NOT DO LOAN because manufactured home was over 10 yrs old. paid money out for appraisal with a company that they said i had to use. having problems getting my appraisal fee back ( {$510.00} ). agent tried to give us a XXXX gift card for {$120.00}. we said NO. they said that they tried to get it back ( gift card ) but that we had already claimed the gift card ( but we did not ) and sent us the difference of {$380.00}. ( after a bunch of fighting for it ) .. XXXX  said somebody else claimed the gift card, but will not give us this info and said for the purchaser ( ameris ) to contact them. i have tried since XX/XX/XXXX to contact them ( mult voicemails ) and they will not return my phone call. have ALL E-MAILS AND DOCUMENTATION ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I paid the Great Lakes ( U.S Department of Education ) the full amount for my student loan and it has not been updated on my credit report. They cashed the money order on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
I paid off my personal loan with XXXX XXXX XXXX and Equifax has refused to update my loan balance which should be XXXX. Instead the account still shows open with a balance of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
This erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX was transferred to another collection company trying to collect on a debt not owed. 

Asset Recovery Solutions , LLC is attempting to collect an erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor for the account ending in XXXX and or XXXX XXXX XXXX XXXX with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by Asset Recovery Solutions , LLC with XXXX XXXX XXXX, XXXX as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor. Asset Recovery Solutions , LLC 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I bought a new XXXX XXXX XXXX in XX/XX/XXXX, and Chrysler Capital did the financing of the loan. I setup online account access and requested payless statements. I received one payless statement in XX/XX/XXXX and nothing else. I've never received paper statements either. On XX/XX/XXXX, I called Chrysler Capital and spoke with XXXX, employee ID # XXXX, who advised me that he could send me a copy of my XXXX and XX/XX/XXXX statements but when he attempted to send it to me, he was only able to send XX/XX/XXXX statement. While XXXX was extremely helpful in trying to resolve the issue, he was unable to. 

As outlined under 12 CFR Part 1026, subsection 17, the creditor, Chrysler Capital, is required to provide a periodic statement in either print form or electronic form provided by the consumer has agreed to electronic form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
After receiving my credit report there are items to be inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX report the inquiries as fraud XXXX XXXX asked for an investigation of accounts XX/XX/XXXX aked for a reiview and reinvestigation of inquiries XX/XX/XXXX reported inquiries as unauthorized fraud XXXX XXXXreported inquiries as unauthorized fraud XXXX XXXX XX/XX/XXXX reported inquiries as unauthorized fraud These are all unauthorized hard inquiries XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/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 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

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 2022-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: GA

Complaint narrative:
This erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC was transferred to another collection company trying to collect on a debt not owed. 

XXXX XXXX XXXX XXXX XXXX is attempting to collect an erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor for the account ending in XXXX and or Galaxy International Purchasing , LLC with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by XXXX XXXX XXXX XXXX XXXX with Galaxy International Purchasing , LLC as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to Galaxy International Purchasing , LLC for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as the original creditor. XXXX XXXX XXXX XXXX XXXX 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
was not given written or verbal permission for this inquirie added to 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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I transferred {$800.00} to a family member using Venmo. We were charged for the transaction. Venmo implied this should have been free. I submitted a ticket and tried to follow up but all the links were broken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo , Inc. 

As a member of this financial institute of at least 40+ years that I would be looking for such treatment of service. 
Contact via tele call to your firm on XX/XX/2022 ( XXXX ) of the existing monthly charges of {$10.00} based on a specific criteria has to be met. Your Associate indeed professional and pleasant with me regarding the new criteria. 
Of course, he and all other associates are limited on the provisions when handling such an inquiry of : Why {$10.00} service charge? 
I was appalled and shock with the noted requirements of this checking account your firm will not embrace a member who is of a XXXX XXXX such as me but to your young adult community. 
Realizing my income is now limited with a specific monthly income of my social security benefits and retirement benefits it has been challenging to maintain. My history will reflect the movement of Social Security benefits because of undue cost with your firm. I remain with the firm with my monthly funds from a private firm. 
XXXX XXXX, I expected a level of understanding and compassionate service for myself and the XXXX XXXX from your company, I am quite disappointed. 
I would certainly hope your team will return to the board room and regroup on the needs of a large and dependable market of XXXX XXXX that will provide consistent deposits and business in assuring us we can continue to look to your firm for assistance in existing thus so far.

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 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted letters to all three credit bureaus, XXXX, XXXX and TransUnion asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.

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 2022-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted letters to all three credit bureaus, XXXX, Experian and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Inflection.com, Inc.
State: TX

Complaint narrative:
Denied job after offer letter for XXXX. Background check was only supposed to go back 7 years ( per TX law ) BUT they reported the XXXX  from XXXX  citing FCRA is Federal and therefore supersedes... However FCRA also states a 7 year background check limit. I am a TX resident and the Employer is in Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation