vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This issue related to my Apple Card from Goldman Sachs Bank USA, which I used to make a payment for installment plan for new cell phones XXXX XXXX XXXX ( 2 phones ). Every single month I have being overcharge in my bill, last time bill for XX/XX/2021 instead {$78.00} was {$120.00}. 
When I called to Apple company financial department about this extra charge, they spend over 2 (! ) hours with me on the phone, trying to find out reason for extra charge, and after all, they say " its for us unknown charge, don't worry it will be taken off from your bill by Goldman Sachs Bank USA ( owner of Apple card ) ''. I called them number of times to resolve this problem Apple always transfer me to Goldman Sachs Bank USA, and skip to resolve this problem without Goldman Sachs Bank USA. 
I start calling Goldman Sachs Bank USA number of times, almost every week during half of XXXX and XXXX, I spend on phone with them dozens hours (! ), every time new rep Goldman Sachs Bank USA, fill up for me dispute application related overcharge, all this time I was on the phone line, and promise me to resolve this problem, because they don't know anything about this charge too - same as Apple XXXX,. 
But every time it was useless, and after one week I always received note that my dispute was decline. 
My problem still exist and Golden Sachs together with Apple Card continued overcharge me.

Goldman Sachs Bank USA reps provide very poor and unprofessional service - such as so bad communication skills, unknown Goldman Sachs Bank USA payment system and online application, they always don't able provide me with clear explanation - why they charge me over, and very often just disconnected with me when I ask for supervisor, or made me stay on waiting call for an hours (! ), and after all - anyway disconnected. 
In my last statement Goldman Sachs Bank USA, for XX/XX/2021 charge me {$120.00} but, my installment plan is {$78.00} per month. 
I ask Goldman Sachs Bank USA, AGAINE, provide me with clear answer, why my bill over for XXXX? ... 
Reps Goldman Sachs Bank USA say : " its a balance from XXXX '', I provide them with proof of full payment for XXXX, after it, reps of Goldman Sachs Bank USA, change mind, and say : " this is a balance for XXXX ". 
But I don't buy anything with this card in XXXX, XXXX and XXXX, I don't use this card at all ... 
By agreement with Goldman Sachs Bank USA, my installment plan coast only {$78.00} / month, and no XXXX more. 
I don't understand why this company, Goldman Sachs Bank USA, continued abused me ad overcharging every single billing cycle? 
My Apple Card from Golden Sachs number is : XXXX, physical card number ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2016. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$790.00} from The XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

6. XXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

7. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX

8. XXXX XXXX - Account # XXXX XXXX  Reported Identity Theft ) - Fraudulently Opened on XXXX

9. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XXXX ( Reported Identity Theft ) 3. XXXX  on XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XXXX  ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 6. XXXX on XXXX ( Reported Identity Theft ) 7. XXXX  on XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XXXX ( Reported Identity Theft ) 10. XXXX XXXX  on XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XXXXReported Identity Theft ) 12. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 13. XXXX on XXXX  ( Reported Identity Theft ) 14. XXXX XXXX on XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a fraud alert from my credit card company XXXX on XXXX.I immediately locked the card from my mobile phone to block further charges and called their fraud contact number regarding an UNAUTHORIZED transaction charged from the XXXX XXXX XXXX XXXX on XX/XX/2021 while I was at a XXXX location in Florida, U.S.A. I do not live in the XXXX and was not there when the transaction was made. 

I was told that I would not be responsible for the transaction and that the card would be cancelled and a new card was shipped to me. 

Upon receiving the new card on XX/XX/2021, I noticed that the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} were still showing in my statement balance. I did not activate the new card and immediately called the BBVA fraud number again. I was told that the transaction was on the previously cancelled card and the new card was not compromised. The customer representative told me that he filed a dispute for the UNAUTHORIZED transaction and an investigation would be conducted but meanwhile, he said that he has removed the transaction from my account. He gave me a case number ( XXXX ). 

Today on XX/XX/2021, I am still seeing both the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} in my statement balance with payment due XX/XX/2021. I immediately called the BBVA customer service again and the representative said that the investigation is still on-going and I don't need to make any payment when due but she said that she can not remove the transaction from my balance. These are the only transactions on the card for this statement cycle and the statement balance. 
My concern is that, since the transaction is going to take longer than 45 days, if I do not make the payment when due, I would be charged a late fee and reported to the credit bureau. I did not receive any formal email or letter about the investigation. 

It is unfair to acknowledge that the charge was a fraud and refuse to remove it from my statement balance. I need help from the consumer financial protection bureau to intervene to remove the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} from my statement balance before the card payment is due on XX/XX/2021. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2021 I noticed a large charge for {$1800.00} was removed from my account for a company, XXXX XXXX, XXXX. I immediately knew this was a fraudulent charge because I live in XXXX, CA. and this company is only in XXXX, Florida. I tried reaching out to the company first. The company has no website and no known contact information. So, I immediately ( that same day ) reached out to our bank, Golden 1 Credit Union, to file a fraud claim investigation. I was told that Golden 1 would issue a temporary refund while the investigation completed. Months went by and Golden 1 never reached back out to me, nor did they keep me up-to-date on the investigation. On XX/XX/2021 I received an email telling me that Golden 1 concluded their investigation and found that the charge was correct. This is absolutely untrue. I called Golden 1 Credit Union immediately on Friday, XX/XX/XXXX asking to see the " proof '' they had that this charge belonged to me. They told me they would provide that but could only do so by sending me it through the mail. I waited, and as of today, XX/XX/2021, I have not received ANY proof from their investigation. I, once again, spoke to someone today XX/XX/2021 and am being told there is " nothing else we can do ''. Golden 1 is taking back the {$1800.00} on Friday, XX/XX/XXXX. This is completely wrong. The bank has refused to work with me on proving this charge was made by me or my wife. This company only does business in Florida. I have never been to Florida. 
I was finally able to find a phone number for this company and called it five times. I only get two spanish speaking individuals and when I mentioned my name and that I was calling about a fraudulent charge they immediately hang up on me. 
There is NO WAY that Golden 1 reached out and spoke to this merchant. If they did they would have immediately realized this is fraud. How can I be responsible for {$1800.00} when I NEVER made this purchase?

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 2021-04-27 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: PA

Complaint narrative:
A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XXXX  XXXX states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures.

4. XXXX XXXX  states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )

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 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1600.00} from XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and report ability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I called Alliance Once to check on my debt, they identified me, but did not complete the mini-miranda. Instead of finishing it, XXXX XXXX said something along the lines of " and you know ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW 600

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 2021-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
I have federal consolidated Stafford student loans managed through myfedloan.org. I am pursuing Public Service Loan Forgiveness ( PSLF ), and according to myfedloan.org, I have completed 104 qualifying payments ( out of 120 required for PSLF ). I have another 5 eligible payments that will qualify once I submit employer certification. 

According to myfedloan.org, I also have 8 payments that are currently considered PSLF-ineligible, but " Payment Is Pending Manual Review. '' These are payments made to a different federal student loan servicer in XXXX. I have inquired into this issue repeatedly via myfedloan.org customer service, and thusfar they have not completed the manual review after 6+ months.

Depending on the status of the payments under manual review, I could qualify for PSLF in XX/XX/2021. I ask that myfedloan.org complete their adjudication prior to that date so that I don't make additional, unnecessary payments on my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-04-27 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: EQUIFAX, INC.

Complaint narrative:
I already reached out to EQUIFAX and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW 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