vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
A scheduled auto payment email came out today XXXX  at about XXXX XXXX Arizona Time about my payment being drafted and scheduled.

1 ) in the last anytime a payment is made with Apple Card/Goldman Sachs prior to auto pay drafting the auto pay is disabled when minimum due is met. Every other month this happened and this month it didnt 2 ) their customer service tells me to contact my bank to stop payment. This will result in a returned payment and negative history with the bank. I was told this exact statement before and now when I request credit line increases I am rejected. ( Rejected for a practice they told me to follow ) The payment will most likely return by the time the case escalates however it is unfair that their processes are misleading and not followed the same each time. They also should not be advising customers to contact bank to return a payment when the return negatively impacts their ability to obtain credit with said bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed 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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is what was sent to each credit bureau : XXXX, XXXX, & Transunion Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services XXXX XXXX XXXX XXXX Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: OH

Complaint narrative:
Wont let me activate card. Tried multiple times on multiple dates to activate. Website redirects me to other sites in company. Literally a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an invitation card from Citi bank for XXXX for XXXX XXXX XXXX XXXX XXXX plus cards, Ref # XXXX, XXXX, that has welcome bonus and other perks, I applied on XX/XX/2023 but for no obvious reasons, my application was rejected. I have an XXXX XXXX XXXX and all my payments are on time for the last 30 years. I believe it was my name and origin that triggered the denial and not any other business reason. Citi applied the race and origin to decide on my application and nothing else.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
Opened this account XX/XX/2023 realized the loan interest rate is 189 % which I was completely unaware of. I know easypay finance has been sued by multiple states for this and I talked to them about working something out to lower it and they refused. I been having trouble paying this loan since XXXX and I looked and made little to no progress on this loan. I got out the loan for {$1300.00} and I owe still {$1100.00} as of almost a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Company first started contacting me on Thursday with 3 no caller id numbers and 4 registered phone numbers ( 7 calls in one day ).

Friday I had 2 no caller id numbers and 2 from the same registered number ( totaling 4 calls that day ) Saturday I had two missed calls from the same registered phone number. 
Sunday by XXXX I have received one call from the same number. 
This means they have called me 14 times in the last XXXX XXXX days. 
Registered number calls come in from is ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed 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 2023-12-31 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: MOHELA
State: SC

Complaint narrative:
My PSLF has not been calculated correctly. It is showing as XXXX when I have had time in forbearance and previous payments. Im just trying to get ahead and continue to be knocked down. They also havent factored in my wifes XXXX plan with mine and are impossible to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 

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 2023-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX been sending paperwokr since then ALL UNEMPLOYMENT, ONLY HER XXXX CARD UNEMPLOYMENT IN CA AND SHOWED TRANSACTION HISTORY! XXXX, NO INCOME BROTHER STOLE MY ID AND SS! SEND PROOF AND STILL SPS KEEPS ASKING FOR BANK STATEMENTS! ARE NONE DUE TO FRAUD! THIS IS THE MOST UN-ETHICAL BANK SEE PROOF!!!!!!!!!!!! SEND UNEMPLOYMENT SHOWING A YEAR! QUALIFY FOR UNEMPLOYMENT BUT SPS STILL ASKING FOR BANK STATEMENTS ALL CLOSED DUE TO FRAUD! AND SOMEONE LIKE MIKES BROTHER XXXX XXXX IS TRYING TO ACCESS ACCOUNT ALL POA HAS BEEN SENT! XXXX CONTROLS IT ALL SINCE XXXX IS XXXX, AND XXXX UNSTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit report documents an unknown Social Security # ending in XXXX that does not belong to this account. or myself.

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 2023-12-31 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Since XX/XX/2023 I can't access to my Equifax portal, I been paying for months and nobody seems to know what's going on. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I applied for the XXXX repayment plan when it was released by the XXXX administration. I have 3 XXXX  applications still in pending status and my loans have moved back into repayment. I contacted Mohela on XX/XX/XXXX and spoke with XXXX who indicated she could see my XXXX application was submitted but has not yet been processed. She offered a one month forbearance on the payment through XX/XX/XXXX to allow Mohela time to process the XXXX application. She indicated I will accrue interest in the forbearance and that I am not eligible for any benefits of the repayment plan during the forbearance. I received another notification yesterday indicating there are significant delays and my request was received and will be addressed in the next 90 days. My forbearance was only offered for XXXX month. They have not processed my initial SAVE application that was submitted in efforts to reduce my monthly payment prior to this 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 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions bank obtained my debt from vivint communications in 2019, I never heard from them, never had any type of communications from Them for almost 4 years until earlier this year advising me that debt had gone from approximately {$300.00} to over {$2000.00}. I do not know what interest rate Im being charged, never received any type end of year balance status or any type of communication. I have been paying the balance they say I owe this year and last Friday I asked for the balance of this loan so I can look into paying it off. The account manager XXXX XXXX went and filed a collection notice to my credit report which cause it to drop XXXX points today. The balance that was due was paid and it wasnt even 30 days past due. 
I want this credit mark removed and this company investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting 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 see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
I received a collection notice on or about XX/XX/2023 from XXXX XXXX XXXX for {$130.00} on behalf of XXXX " XXXX XXXXXXXX XXXX XXXX XXXX  ''. I called XXXX XXXX XXXX for information on the debt and the supposed creditor. A collector answered, " What a waste of time this call is. Either pay it or it will go on your credit report. It's for a utility bill. '' I mailed the notice back to XXXX XXXX XXXX, with a handwritten note indicating what the collector told me. 

On or about XX/XX/2023, I received a second collection notice from XXXX XXXX XXXX for a new balance of {$130.00}. 

The Nevada XXXX of XXXX website does not list any " XXXX XXXX XXXX XXXX  ) '' as a legal business entity, nor does the XXXX XXXX XXXX XXXXs office list it as a fictitious business name. I recently moved back to XXXX from XXXX XXXX, Nevada. XXXX XXXX is the XXXX XXXX I ever did business with while in XXXX. " XXXX XXXX '' is a XXXX XXXX name in XXXX -- there is a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

Based on the dearth of information provided by the collector at XXXX XXXX XXXX, I have no idea which utility he is supposedly collecting on behalf of or what services were supposedly provided. 

XXXX XXXX XXXX 's Reference Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was selling some furniture on XXXX XXXX and the buyer wanted to use Venmo to pay for the furniture. When they sent me the payment, they said that Venmo had put their payment on hold and told them that I needed to set up a business account with Venmo and send {$300.00} to the buyer to confirm my business account. 

Suspicious, I logged into Venmo 's website and started a chat to find out if this was safe to do. An excerpt from the chat which Venmo emailed to me : Guest ( me ) : I received an email saying a payment to my account was on old. And Venmo asked the sender to send another {$300.00}. What do I do to free up the {$250.00} payment and return the other XXXX Venmo Assistant : In some cases, payments between buyers and sellers are placed " On hold. '' If there aren't any issues with the payment you received, it should be released within 21 days. 

Venmo Assistant : Don't worryit doesn't mean anyone has done anything wrong. This practice is common in the industry, and it helps us create a safer environment for everyone involved. 

Because Venmo told me that this was safe and a common practice, I lost a total of {$800.00} on this transaction and {$750.00} on a similar transaction. I only moved forward with this transaction because Venmo said it was safe. It seems like Venmo was grossly incompetent and that it directly led to my financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was offered an XXXX point welcome offer on the XXXX XXXX card from American Express on opening. Unfortunately, once I had gone through the application process, I was unable to find the details and progress toward the bonus on my online account. Upon contacting American Express, I was told to wait XXXX hours for the account opening to finalize, and finally after calling and messaging their customer service today, I was told that I was ineligible for the offer due to recent welcome offers on other cards, which is patently false as I have not recently applied for credit cards from American Express. I was also informed that I should have received a " pop-up '' notifying me that I would be ineligible for the welcome offer upon applying. However, due to a technical glitch on their website, my application froze and must have been in the step immediately before the pop-up before I could be notified of this rather important issue in my decision making process. I reloaded the webpage and began to proceed through the application again as it had not been saved, and I had at no point encountered the fabled " pop-up '' that American Express representatives insist that I must have agreed to. If I had been informed beforehand, I would not have proceeded with my credit application, as I had received a similar offer to upgrade my other cards. I suspect that American Express is not genuinely serious about offering me any further upgrade or welcome bonuses if this is the case.

Company response to consumer: Closed with explanation