vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: CA

Complaint narrative:
XX/XX/20 - I made a purchase at a restaurant for {$200.00} with a tip of {$40.00}. I was charge {$270.00} instead. 
XX/XX/20 - I opened a dispute with Apple card support ( Goldman and Sachs ). 
XX/XX/20 - The dispute was ruled in favor of the merchant ( stating the merchant provided significant evidence proving the charge of {$270.00} was correct ). 
XX/XX/20 - I asked for the evidence that went into the decision to rule in favor of the merchant. Goldman said I would receive an email within 2 days of this evidence. 
XX/XX/20 - I contacted them again because I did not receive an email with evidence. Goldman resubmitted request and said I would receive it in 7 days. 
XX/XX/20 - Still didn't receive evidence so I contacted Goldman 's again. Manager said he would expedite this. 
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. Said they would send via mail now? 
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. This time they told me the evidence was submitted by a manager and is on the way. 
XX/XX/20 - Still didn't receive any evidence. The person I contacted seemed like he didn't know about the previous communication I had with Goldmans. 
XX/XX/20 - I called and talked to a manager who said they are sending it via mail. Still don't know why I haven't received it or why they can't send me any sort of tracking number? 
XX/XX/20 - Contacted again and Goldman 's asked me to verify my physical address as they sent it in the mail. I verified it and it matched what they had on record. 
XX/XX/20 - Contacted Goldman 's via phone to talk to a manager again. They couldn't explain to me why the evidence is not coming to me and they couldn't send it to me via email. I had to ask for a manager multiple times. Still waiting for evidence. 

Note ** I can also provide text message conversations from this dispute if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
There is an account on my credit report that I do not owe. When I received an alert from XXXX, I immediately contacted the account holder ( Allied ) and I requested more information about the debt ( i.e. what the debt was for, whey they thought I owed it, and itemized statement proving the amount they thought I owed was accurate and a contract or agreement showing that I agreed to pay the debt ). Once Allied told me what the debt was for I explained to them that I did not owe the debt as I had lived in my own home for years. Allied told me they were going to look into the issue for me but this was over a year ago and nothing has been done to remove the item from my credit report and they have not provided me the information I requested from them either.

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 2020-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Spring Oaks Capital requesting validation of debt that company states that I owe as well as to cease all phone communications and instead provide me with written documentation only. I have never had a contract with this company nor the company that they state that they represent. The company in returned sent me a 1 page document via email which does not validate the debt as requested. Since XX/XX/XXXX Spring Oaks Capital has contacted me a total of 16 times by phone with the last 3 calls coming in today XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
This company is clearly ignoring my cease and desist letter which is a clear violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: NY

Complaint narrative:
I submitted a dispute to Experian over two months ago and they still haven't blocked and deleted the unverifiable, invalidated, inaccurate, and questionable accounts on my report. Instead, they accused me of using third party credit repair agency.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Amazon  XXXX  Store Card by Synchrony Bank has continuously charged me for services I never asked for. Furthermore, I have tried numerous times to dispute the charges with no luck. 
I was charged {$15.00} every month for XXXX since XXXX for a total of {$140.00}. 
I was charged {$120.00} for Amazon  XXXX  subscription. 

I disputed these charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been refunded sporadically for XXXX, not for Amazon  XXXX subscription. 

According to Synchrony Bank, late fees interest will not incur during the dispute. I have not bought anything from this card since XX/XX/XXXX. However, I am still charged interest and late payments. I have talked on the phone with customer service for hours and they have offered no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I subleased my apartment to XXXX XXXX when i moved Back to North Carolina in XXXX of 2017 however the amounts are bills to me from pro collect for over {$600.00}

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 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion has inquires i did not authorize on my credit report that i did not request by any one.

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 2020-12-28 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: MS

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Re : Bank of the West, XXXX XXXX This is the worst banking experience ever for me, and the bank itself actually looks fraudulent. 

We opened a bank account with them in XXXX, we funded $ XXXX to one checking account on XX/XX/XXXX. Before we received the ATM card, someone already started accessing our account starting XX/XX/XXXX. A few hundreds here and there, XXXX, XXXX, XXXX and alike within a few days, some {$8500.00} USD were stolen from our account. We noticed the problem only by accident when my wife logged into the account and immediately reported the problem to the Banks Fraud department. Following their standard procedure, we filed a police report ( XXXX XXXX Police Department report XXXX ), affidavit and we thought this would just work out on its own oh how wrong were we. 

Two months later this is still not resolved. 

We only saw {$2800.00} returned to our account earlier this month and were wondering why, and were thinking maybe they are still processing the refund. 

We called them again today, got hold for 45 minutes, and only were told some incident researcher called us early XXXX and settled with us on that amount. Oh, we didnt know we had settled the case with them because no one actually called us. 

Call center people just transferred around and no one seems to really know whats going on. They tried to bridge in the researcher who was nowhere to be found. They promised some manager would call us within one hour - but never happened. 

I dont know what kind of bank does not enforce a smaller default daily spending limit on the ATM card. I don't know what kind of bank would say we requested the increase of daily limit to $ XXXX cash spending even though we have more than enough credit card to use and would never, never need to access cash at this level. 

I dont know what kind of bank would treat a serious fraud like this one, likely rooted from inside of the bank, so lightly and not actively keeping its customer engaged for updates. 

I dont know what kind of bank would not allow for SMS alert for spending over a certain threshold. 

I dont know what kind of bank would think its OK for someone to accept a > $ XXXX loss through a phone call, let alone its not our fault. 

I can only think : A very incompetent bank tries to lure customers, a very incompetent management team who simply cant get their act together, a very incompetent board who picked incompetent management to let crazy things happen to their customers. 

They do not deserve to do business in California, nor elsewhere in the United States. 

I am filling this complaint but also taking legal actions towards the bank.

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC
State: TX

Complaint narrative:
I started the refinace on my primary home with sprout mortgage on mid XX/XX/2020. After many emails to correct many mistakes, they closed in mid XX/XX/2020. Now they fails to transfer the loan to the servicer and they do not answer calls and if they answer they hang up if you just discuss the mistakes they make. They blame others for their mistakes like title company or escrow company just to get rid of your call. Never gave real help and their excuse that they are busy. If they can not serve new or existing customers, they should stop getting new customers or acting as lender for homestead and primary residence for citizens. 
My payment is due on the XXXX of XX/XX/2020 and until this moment they did not gave the loan to plants home lender.

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 2020-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A payoff was sent to TD BANK for XXXX XX/XX/XXXX and I confirmed that they have the funds to pay off the mortgage since XX/XX/XXXX and as of today XX/XX/XXXX it is still showing not paid. They say they are going to credit the payment every time I call. I do not want them to report a late pymt and I want them to credit the payment as of the day they received it ... XX/XX/XXXX. I've had to put in several complaints about TD BANK in reference to the servicing and I will be happy when this is paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MD

Complaint narrative:
I have a court date for a loan that I did not pay from Lending Club. However, I am not sure that they can charge the 30.99 % annum interest rate in the State of Maryland. The loan came from XXXX XXXX which I later found is being sued in a Class Action Lawsuit. What can I do to fight this in court?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
JOINT MEDICAL COLLECTION? WHAT? FOR {$2800.00}??? 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: MS

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: MS

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
CHASE Bank closed my Credit Card account, and the reason they did was due to non-payment. My bank said CHASE bank never attempted to withdraw a payment from my account. I asked CHASE bank to provide me a letter of the checking account they tried to withdraw from, and they keep giving me a run around. I need this to provide to my bank, and also it hurt my credit report, and I am in the process of purchasing a home. 

They will not have a Manager call me. They don't have supervisors to speak with. They let you speak to people that don't have any knowledge how to repair the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: VA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
Radius Global Solutions LLC did not send me notification regarding this issue. I contact XXXX XXXX several Times regarding fraud charge in which they never got back to me. They told me several times after calling them they was going to get back with me. 
XXXX XXXX XXXX never made no attempt to call me regarding this situation. I call them about the issue and they never mailed me nothing nor tried to resolve the issue. 
Radius Global Solutions is now trying to charge me an additional {$100.00} dollars there should be nothing but was owed in which was {$32.00} dollars not the amount stated. 
I have also file a complaint with the US Attorney office regarding this matter.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I opened accounts with the bank on XX/XX/2020. I opened a business account with a deposit of {$10000.00}, written off of a XXXX  XXXX XXXX account. I also opened a personal checking account with a {$4000.00} cash deposit. Sometime around XX/XX/2020 I received a call from the branch manager XXXX XXXX who informed me that the bank has closed my new accounts and I will have to wait for the deposit to clear from the business account and that a check will go out for the personal account, since it was opened with a cash deposit. I am still waiting for my {$14000.00} and no one can tell me where the money is. I was told by XXXX that they were sent XXXX  but he was not allowed to get tracking numbers. Then he told me they were sent USPS but he still can not get a tracking number. Here is the text from his email from XXXX " Hi XXXX, I tried to give you a call after I got off the phone but didn't get an answer and im going to be with customers the rest of the afternoon. But I wanted to get back to you with the information I do have. Our Mail goes to a Sorting center in NJ Your package was sent out on the XXXX of XXXX the day after the big snow storm and the tracking information says it arrived on Tuesday the XXXX. From there it was mailed out directly to you. Unfortunately I do not have any other information at this time except they are on their way to you. And should be there shortly. I know USPS is having a lot of short staffing issues but they are on their way. Thank you, XXXX XXXX '' So in the meantime, I am missing {$14000.00} and no one knows where it is.

Company response to consumer: Closed with explanation