vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My payment was due on XX/XX/XXXX. Days prior I used the online payment system and selected the " pay minimum payment '' option which was auto set at {$29.00}. I paid it and the money was taken form my account and posted to my card on XX/XX/XXXX. I then get a notice today XX/XX/XXXX that I am past due {$1.00} and have been charged a {$29.00} late fee. 

I called the company, capital one, to settle the discrepancy. I explained to them that I chose the minimum payment option which was set by capital one to be {$29.00}. They informed me that it was actually {$30.00}, that I owed {$1.00} and they could not wave the late fee of {$29.00}. 

I paid the minimum payment which was reflected to be {$29.00} on time. Capital one refuses to lift the late fee and says I still owe them {$1.00}. The {$1.00} is not the problem. The problem is that their system reflected a {$29.00} minimum payment which I paid, on time. So a {$29.00} payment is not costing me an additional {$30.00}. That is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion and XXXX aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.

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 2022-08-04 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: FL

Complaint narrative:
These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Goldman Sachs is violating interest laws, credit card interest and payment laws, the EFTA and FCRA and has continued to do so after being informed multiple times. 

Background : Goldman Sachs acquired XXXX XXXX XXXXXXXX XXXX Card user accounts in XXXX of 2022 Due to alleged system issues they failed to process ACH payments resulting in false late payment account fees, no communications being sent to consumers. 

Multiple inaccurate fees were added to my account and I was informed they removed them. I tried multiple times to have my payments processed and when they continued to fail to process them I decided I wanted to pay my account in full to avoid the incompetence of Goldman Sachs and never do business with them again. 

On XX/XX/XXXX, I called in, expressed my frustration and was told the full amount due that i needed to pay to close my account. 

I paid and brought it to a XXXX balance which posted to Goldman Sachs on XX/XX/XXXX. 

Then, I received a notice that Goldman Sachs reported me as late to the credit bureau. I filed a complaint with them ( and the CFPB ) and I received a call from the management team and I was informed they shouldnt have reported that, they had too many issues with the acquisition and that they were supposed to abstain from credit reports. 

At the beginning of XXXX, I received a call from them, they said they got it cleared up and everything was resolved. 

They filed a response to my CFPB complaint about that single issue stating " WE NEVER REPORTED YOU TO THE CREDIT BUREAU, which was false, they indeed HAD, but I was fine with the matter being closed. 

Then today, I received a COLLECTION CALL. They said they had 'trailing interest ' they decided to apply to my account on XX/XX/XXXX in the amount of {$23.00} and then they assessed a late fee and reported me to the credit bureau XXXX 

CFPB, I am FED UP with the multiple violations of federal law. Goldman Sachs needs to be investigated for the acquisition of XXXX XXXX XXXX XXXX customer accounts. 
They are violating EFTA laws ( ACH payments ) FCRA laws for false reporting AND likely the CARD act for illegal interest accrual and payoff. 

To Resolve : waive the illegal interest, illegal late fee update my credit bureau that I confirmed today with your employees that GOLDMAN HAS RE-REPORTED ME TO THE CREDIT BUREAU THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX for the SOLE PURPOSE of ALLEVIATING MYSELF FROM GOLDMAN SACHS INCOMPETENT ACQUISITION OF MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I was first contacted by this company via email roughly six months ago regarding a debt they said that I owed to XXXX XXXX XXXX XXXX. I responded back that I am not aware of this debt and to show they are the holder of any Promissory Note or Contract signed by me. I received a letter dated XX/XX/2022 and I responded back to the letter via certified mail with return receipt. I received an email today with an attachment of the so-called final bill but that is not any Agreement I signed or a signed Promissory Note. I continue to dispute this debt and the validity of the debt ; I also dispute who the original Creditor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Hello I tried to submit my XXXX payment online but online portal would not work for me. I ended up calling in to nfcu to submit a payment over the phone the lady told me I was good to go and told that XX/XX/2022 payment was successful. Come XX/XX/2022 I look and see that I'm charge for 2 months due to the representative not handling my account properly. I have never had a late inquiry applied from any account but due to navy federal costumer service I'm now dealing with this issue this was not a error on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On numerous attempts to receive my credit report online at https : XXXX Experian notifies me that my credit report is unavailable and to mail in a request for the report. Both XXXX and XXXX provide their reports but Experian 's is not available. What gives with this denial of report? Isn't this a lawful requirement to provide online? 
Also, this isn't the first time I've filed a complaint with cfpb without receiving a reply! 
I'm guessing others are having the same complaint. 
Are you just another do-nothing government bureaucracy? 
Please respond.

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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my account was closed due to multiple checks being returned over a period of time. It is entirely understandable why the decision was made. The accounts were closed with a total value of {$49000.00}. It was advised to me on XX/XX/XXXX that the account closure would be completed in seven to ten business days. In my call on the XXXX business day, I was informed that this date had been pushed back a few days. This process continued for over a month to have this date changed, each time a day to 3 day interval. Since I was out of the office on XX/XX/XXXX and XX/XX/XXXX, I missed my semiweekly/daily call. On XX/XX/XXXX, I called the company to learn that I had been officially closed out on XX/XX/XXXX, and checks were mailed on XX/XX/XXXX, and I should expect to receive them within 7-10 business days. Following this information, I checked my mail on a regular basis. I did not receive the checks on XX/XX/XXXX, which was disappointing for my company. Instead of receiving my checks, I received two letters stating that my accounts had been closed out, but my funds were frozen pending verification. After opening the letters, I called the account closure team for information as there is no information regarding timelines or if and when I will receive the funds my business needs to continue operating. My company has a staff of over 30 individuals who rely on this job to pay their bills and support their families, and I do not know how long we can operate without these funds. Both representatives I spoke with on the account closure team were very brief and vague in their responses. After closure, a mysterious back office decision was made to withhold the funds to further " verify '' them. I would have assumed that after a month of funds being withheld for verification, this would have sufficed. I requested to speak with someone who is involved in the verification process or who works in this area of the company. According to them, I am not permitted to speak to anyone and the best they can do is send them an email and wait for a response within 7 to 10 days. The supervisor I spoke to informed me that I am unable to receive any confirmation that this communication has occurred. I have attempted to make contact with various people within the organization they will not communicate with me. I received a call this afternoon from the organization stating they have completed their investigation and I am not entitled to these funds. They claim to have done two different investigations and they are not willing to issue the check for my that are being held.

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 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv funding LLC XXXXXXXX XXXX XXXXXXXX bank XXXX open XXXX amount XXXX sold to this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-08-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-08-04 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: CA

Complaint narrative:
XXXX Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means floor and decor, I do not even own a home, this is utterly and completely fraudulent.

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 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
on XX/XX/2022 I was charged XXXX to a XXXX XXXX on PayPal this person got into my account and my money was taken off my credit card I have tried to get PayPal to fix this and they will not and they will not tell me why this happened or how this happened Paypal is now letting people rip people off and not doing anything about it this is now the second time this has happened and Paypal does nothing about it except say I am sorry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I filed a claim at the beginning of XXXX after my purse was stolen and subsequent charges were completed on all of my cards. My debit card, credit card, and cash card were all used to make a variety of transactions. While the dispute was processed, I was credited these amounts back. Yesterday, I come to see that all of the charges I was refunded, have been suddenly charged again with the notice " unable to pay ''. Bank of America has not sent me formal documentation stating why my claim was denied and needs to be reopened, and now I have an overdrawn balance on my credit for purchases that I did not make. I think it absolutely obscene that this XXXX dollar company expects my broke self to fit the bill for an injustice done against me with no effective communication or proper explanation.

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MI

Complaint narrative:
Im still going because of COVID-19 I have called the mortgage company and ask for a for bearing Relief they have agreed but they have went forward with the foreclosure because we did not come to terms to settle the debt in lump sum

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I accepted a promotional 0 % interest for a {$11000.00} transfer. I entered my credit card information correctly but they transferred the money to someone elses account. I reached out immediately and was told several different things. The dispute took almost 2 months and they never reached out by phone email or mail, but closed the dispute. had I not been calling every week I wouldnt have known. They closed the dispute stating the money was transferred correctly to someones XXXX  loan.I do not have a XXXX  loan. I called and spoke with 7 different people over the last 2 months and no one could help me or send me to anyone who was working on the dispute.

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 2022-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am a consumer and natural person pursuant to 15 USC 1692a ( 3 ). After the recent investigation with Equifax and becoming a victim of the Equifax Data breach of 2017, this devastating news further confirms that my consumer report has been irresponsibly tampered with. Equifax is responsible for sending incorrect scores and information to lenders and I have continuously been affected by this. Equifax has evidence proving their negligence and noncompliance is a result of the miscalculation and reporting of my credit score and consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax did not exercise their grave responsibilities, Equifax has been unfair, impartial, and did not respect my right to privacy. Congress has already stated that Credit reporting agencies have assumed this vital role in assembling and evaluating consumer credit and other consumer information. I, XXXX XXXX, did not give permission and Equifax did not have my consent.15 USC 1681b ( 2 ) of the Fair Credit Reporting Act also states Equifax did not have permissible purpose, I did not give written or oral instructions to furnish a consumer report or create a consumer report. I have previously disputed erroneous accounts and information on my consumer report and Equifax failed to remove and delete the disputed accounts and information and continues to report inaccuracies without validation. As a result of Equifax 's willful, noncompliance, negligence and failure to insure the accuracy of the information on my consumer report, I have suffered emotional distress, mental anguish, loss of trust and confidence in the banking system, and my reputation has been tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
XXXX did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, and Department of EdXXXX Account # XXXX XXXX has violated my rights. 

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 my written instructions

Company response to consumer: Closed with explanation