vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I am an Apple Card customer. In XXXX of this year I made a monthly payment as shown on my XXXX to avoid an interest charge. Paying the full amount that was reported in the Apple Card app, I nonetheless was charged an additional interest payment by Goldman Sachs. After a number of conversations with Goldman Sachs and Apple, I was told today by Goldman Sachs that the reason for this charge was because I did not pay a previous months finance charge ( that had been partially waived by Goldman Sachs ), and that the full amount needed to avoid and additional charge could be found in my statement, but that the app would only report the amount necessary to avoid a finance charge for XXXX transactions. I have contacted Apple regarding this revelation and informed them that the data being sent to their app is erroneous and that their apps feature of noting the amount to avoid a finance charge is misleading ( or completely wrong ). Goldman Sachs for their part has done nothing to resolve this issue and has attempted to talk their way around the situation telling me that I am responsible for reading my statement, but they are not responsible for the functionality of the Apple Card app. In summary, I believe Goldman Sachs practices in this case are intentionally designed to mislead their customers, resulting in fraudulent finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I HAVE BEEN HAVING PROBLEMS WITH XXXX XXXX XXXX XXXX XXXX XXXX. ALL STARTED BACK XXXX NOT PAYING MY BILLS BCUZ I GOT XXXX.SO WHEN CREDIT CARDS STARTED REACHING OUT TO ME TO MAKE ME A LOWER PRICE TO SETTLE THE ACCOUNTS I WAS ALL FOR IT BUT THE AGREEMENT WAS TO TAKE OFF THE ACCOUNTS BCUZ OF LATE PAYMENTS, DERGORTORY, COLLECTIONS & DELINQENT WOULD BE STUCK ON MY ACCOUNT FOR 7 YEARS. SO EVERYTHING WENT WELL WITH XXXX XXXX XXXX BUT NOT WITH.I EVEN BEEN DOING FTC.GOV AND YOU GUYS CFPB.SO CALLED EXPERIAN TO ASK THEM ABOUT IT AND THERE ANSWER WAS THEY DIDNT KNOW ABOUT ANYTHING ABOUT THE SITUATIONAND THEY SEEN BUT REFUSE TO TAKE IT OFF. I HAVE BEEN FIGHTING THEM EVERY MONTH BACK IN FORTH BACK IN FORTH. PLEASE I BEG YOU TO GET THEM TO UNDERSTAND YOUY TO TAKE THE 2 ACCOUNTS OFF WITH EXPERIAN PLEASEEEEE ITS MAKING ME SICK TO MY STOMACH. I HAVE DID EVERYTHING POSSIBLEXXXX XXXX XXXX XXXX XXXX XXXX. PLEASE MAKE THEM TAKE THESE 2 ACCOUNTS OFF .I DONT THINK THAT EXPERIAN THINKS YOU CAN TAKE THESE 2 ACCOUNT OFF. THATS WHAT I WAS TOLD BY A EXPERIAN EMPLOYEE. TAKE BOTH ACCOUNTS PLEASE I BEG YOU. THERE CLOSED AND PAID UP. HELP WITH THIS PLEASEEE. ITS A NIGHTMARE. MY BUSSINES & PERSONAL BOTH SEEMS LIKE THEY ALL CREDIT CARDS & FUNDING LOOKS AT THEM. MAKE THEM LISTEN YOU PLEASE XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card

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 2022-08-11 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: Self Financial Inc.
State: IL

Complaint narrative:
I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY CREDIT CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX  Negative Account Info Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Account Info Account XXXXXXXX XXXX  XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameSBNASELFLNDR Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status XXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX  XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC
State: OK

Complaint narrative:
This company is alleging I have a debt owed to a company called XXXX XXXX ( XXXX ) with account # XXXX. I have signed into this website and see not account on record. Additionally, there is no information reported on my credit reports regarding this account. They are trying to get me to pay {$710.00} for an account I am unaware of. They have called my wife, my mother, my cousins and God knows who else trying to get in contact with me even though I have already spoke with them. I am not going to pay a default debt just because they make repeated calls to my family and threaten legal action against me. If their is a true debt owed they need to follow the legal process in the state of Oklahoma.

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 2022-08-11 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: NY

Complaint narrative:
Date XX/XX/2022 EQUIFAX has committed Fraud Pursuant 15 USC 1681B, I never gave Equifax permissible purpose or any written letters or instructions to report any information on my Consumer Report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: OR

Complaint narrative:
I was issued a Wisely card through ADP by my employer to receive my wages. 

I was unaware that I was not able to deposit funds onto the card at a local ATM location. 

When I attempted to deposit a sum of {$570.00} in cash to the card, the ATM dispensed a receipt which said " Transaction is not permitted '' but did not return the cash. 

When I reached out to the bank, the branch manager informed me that XXXX must file a dispute and that when the ATM was audited and shown to be {$570.00} over the amount it should, the funds would be returned to me. When I reached out to ADP I was told several times that there is no record of me ever having swiped the car or entered my pin, and that they are unwilling to reach out to the bank branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-08-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX  of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I was not made aware of the initial debt claimed of {$100.00} in XXXX. My address and phone number and all other contact information has remained the same. Furthermore, I have never been contacted by Designed Receivable So. On XXXX I received notification from a credit bureau of an unfavorable report to my credit Upon further investigation, I saw XXXX entries from Designed Receivable So. XXXX from XX/XX/XXXX in the amount of {$100.00} and XXXX from XX/XX/XXXX in the amount of {$110.00}. I was never contacted by the initial company, I was not made aware of the debt prior to it being sent to collections. I was not contacted by Designed Receivable So to attempt to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: ND

Complaint narrative:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : Account # XXXX XXXX XXXX XXXX, Balance Owed : { {$460.00} }

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good day, i have contacted transunion XXXX times and have recorded them XXXX with different reps giving the wrong or lack of new lines of credit that have not reported for XXXX years which is kickoff and credit strong, i asked why and informed them the length of time ive had these accounts and they have no resolve.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX  days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX 's Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX IXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On Tuesday, XX/XX/XXXX, at approximately XXXX ( XXXX ), my friend initiated a transfer of {$620.00} via Venmo . The Purpose of this transaction was to move said funds into her XXXX XXXX account, to which she is unable to do on her own ( presumably due to lack of money card or general technical acumen ). Being a good friend, I agreed to assist her in this, as we had done several times previously with no problems. 

The initial transfer occurred at XXXX. Afterwards, I proceeded to transfer aid funds to my XXXX XXXX account, using XXXX card ending in XXXX. This occurred at approximately XXXX XXXX. From that point, I transferred the funds to her ( {$640.00} ), with XXXX XXXX Identifier # XXXX. 

At no time was there any commercial or criminal activity at hand. The next day, XXXX XXXX claimed some sort of problem existed and filled a dispute. The next day ( XX/XX/XXXX ), my Venmo account was emptied of funds in an attempt to start covering the costs of my disputed transaction, along with being locked out my account until I can reimburse Venmo for the remaining {$620.00} of this transaction Im somehow now liable for. 

As it stands now, she has double her money ( initial money *and* the reimbursement from the disputed transaction : quite a tidy little profit ) and I lost actual money by being taken to cover my debt. I also dont have regular access to my account because : you'll need to pay back the full balance to restore your account. And, lest we forget : the effect this debt will have on my credit score wont be good for me at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a product I did not order, it was a phone system. I contacted the company, they refused to budge, so I disputed it with the credit card company Citi bank and they would not budge. So I cancelled the credit card company, cancelled the bank account and filed a dispute with the credit card companies that determine credit rating. Everyone has said I need to pay. Why should I have to pay for something I did not order or want. My credit card rating went from XXXX down to XXXX. It really does not affect me as I have all the credit I need and do not carry anything over as I pay everything off each month. However if I am treated this way, how many others are also being treated as I have been, being ignored on the facts presented.

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