vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 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:
I contacted TransUnion in XXXX and XXXX regarding XXXX XXXX. I advised TransUnion that I have never obtained credit with XXXX XXXX. I asked TransUnion to send documentation showing me entering into a contract with XXXX XXXX. I also advised TransUnion that they are reporting XXXX XXXX as open, with an open date of XX/XX/XXXX. And they are also reporting a date of last activity of XX/XX/XXXX. I asked TransUnion how can they list this account with an opened date of XX/XX/XXXX and a last activity date of XX/XX/XXXX with no payment history? If opened in XX/XX/XXXX and last activity of XX/XX/XXXX then there has to be a record of payment, past due or late payment. Twice I asked TransUnion, the last response I received was with Trans Union changing all the dates to benefit Trans Union not reporting inaccurate information. Trans Union can not just change dates on my credit file to benefit them when they are reporting something in accurate. I have not received any documentation from Trans Union to support this change or even that this is my account.

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 2021-08-29 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: IL

Complaint narrative:
There is incorrect, inaccurate, and unauthorized information on my credit report that violates my right to privacy and ruins my reputation. And it has to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is incorrect, inaccurate, and unauthorized information on my credit report that violates my right to privacy and ruins my reputation. And it has to be removed 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 2021-08-29 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: NY

Complaint narrative:
On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in 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 2021-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
I emailed XXXX XXXX for a refund due to work improperly done on my car. 


Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Amount resolved in merchant 's favor : {$170.00} XX/XX/2021 : I started a dispute with Goldman Sachs/Apple Card. 
XX/XX/2021 : I responded with evidence that I contacted XXXX XXXX for a refund and attached photo evidence of the improper work. 
XX/XX/2021 : I emailed more evidence to Goldman Sachs/Apple Card. 
XX/XX/2021 : I messaged Goldman Sachs/Apple Card customer support to ask about the status of my dispute, they said it was pending. 
XX/XX/2021 : I'm notified that I lost the dispute because I did not submit evidence. 
XX/XX/2021 : I speak with XXXX, the highest supervisor level at Goldman Sachs/Apple Card customer support. He acknowledges that evidence was indeed received, but does not know why the decision is based-on lack of evidence. The case is re-opened. 

It has been months now. I have followed proper procedure, but Goldman Sachs/Apple Card failed to properly handle my dispute. 

Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Temporary credit : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I applied for the loan, for repairs on a vehicle. The company advertised as a same day loan service. They said I had been approved and should receive my money within 72 hours. A week later I called and they said due to staffing issues it may take 10 days.

I called 2 more times and was told withing 24 hours. I have emailed them multiple times with no response. Meanwhile I'm slammed by other companies that they sold my information to. When I called today, after being put on hold for over an hour, was told I couldn't cancel the application so if I went elsewhere I'd likely have 2 loans to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent several letters requesting a method of verification on XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 regarding them stating that the they validated the information on my credit report. I also provided them authorization for an additional investigation in which there were no results received. I would like for a valid method of verification that the invalid information is indeed mine that they have not removed from my credit report. If they are unable to provide the method if verification the information needs to be removed from my credit report. I also sent a demand letter requesting they provide the method of verification & correct the errors & nothing has been corrected.

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 2021-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Here is the email I attempted to send to the bank on XX/XX/2021 To whom it may concern, I am extremely unhappy with my experience with your bank. I opened this account on XX/XX/2021 in order to save money for my daughters college tuition. Your bank has made what should have been a happy occasion a very sad and stressful one. I have had the account for just one week and the only activity I have on my account account were two {$1000.00} deposits that I initiated from my checking account with XXXX XXXX dba/ XXXX. I also added my checking account with XXXX XXXX XXXX XXXX specifically to transfer funds from my military retirement  pay to my daughters tuition fund. Somewhere in this very limited activity you claim evidence of fraud. On XX/XX/XXXX I received an email from Synchrony Bank stating that my account had been restricted and that my available balance was no XXXX dollars. I have contacted your customer service department at XXXX on XX/XX/XXXX and have done all I can to demonstrate that I am the owner of the external accounts listed with my savings account. I confirmed all my information with your customer service representatives and I am more than willing to send further proof in the form of bank statements or put you in contact with my banks in order to confirm that I am the owner of these accounts. This is what I am told your reason was for restricting my accounts. I am told my second XXXX dollar transfer did not complete before you restricted my account and as a result will be sent back to the originating account shortly. I do pray that is the case as I intend to file a report with the CFPB https : //www.consumerfinance.gov immediately. I am uploading a copy of my monthly statement from my bank after I requested a means of proving ownership of my account to your bank. They immediately complied with my request and I expect this to serve as adequate proof that I own the account in question. I am sending screenshots of my credit union account to demonstrate proof of ownership also. I am also sending a copy of my drivers license with current address. I expect someone from your bank to contact me and clearly explain why this even took place and when my account will be available immediately. I have been patient and have done my utmost to assist in your " investigation '' but I will not wait 30-60 days for access to my money. I am a XXXX military veteran on a limited income. I can be reached at # # # # # # # # # # and anticipate a call as soon as possible. 



I was unable to send this email as the Synchrony Bank website kept returning the email as undeliverable.

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 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: ND

Complaint narrative:
Starting on XX/XX/2021 my Paypal prepaid card was stolen and was being used without my consent. On that same day I was XXXX in the XXXX county XXXX  in North Dakota. On or around the XXXX of XXXX I had my daughter call and suspend or cancel this card and every other card I have. I would have done that sooner, but I had no means of doing so. Then without my knowledge and definitely not my approval another card was reissued in my name possibly by the person who took the first card. The first and only card I ever was issued from Paypal prepaid was stolen out of my vehicle along with my vehicle shortly after being arrested. So every transaction starting that day to the day I was released was not made by me for me or to my knowledge on XX/XX/XXXX. I contacted NetSpend dispute center to notify them of all the info I had at the time. Most of which I seen thru my emails. I tried to have them understand that all those transactions weren't mine to much confusion on their part. They only understood three transactions and refunded me {$290.00} in XXXX leaving me short {$1700.00}. So then I filed another complaint and after a lengthy investigation I was found liable for charges I didn't make. I found that out by calling them on XX/XX/XXXX. I did everything asked of me and was very proactive by disclosing all the pertinent information I could in a timely manner. Also sent a couple faxes for whatever reason. I just can't believe they treated me so poorly. Being stripped of my money and being treated like I spent all my money while behind bars was very rude. I still haven't received any more money other than the {$290.00}. This money I had was my state and federal unemployment.

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 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My bluebird bank account was permanently suspended I was so XXXX I didnt do any fraud or something bad, thats how they always block account there is fund in my bluebird account So I want them to unlock my bluebird bank account right now This my SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: BTH Management
State: WV

Complaint narrative:
The creditor told me this account was paid in full and should be taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i was told i needed to submit a subpoena in order to access my funds by a bank teller at WellsFargo and XXXX, i also had deposits made thru the treasury direct and on my bank statement it shows as a floating adjustments. I've contacted the federal reserve board but they weren't much 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 2021-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have an XXXX XXXX XXXX  account that was agreed to 24 months at a payment of {$45.00} per month. I this loan was taken out in XX/XX/2021 with PayPal credit which is a pay overtime account. I also have 6 month promotional loans with this lender. My payment amounts are applied to the XXXX XXXXXXXX XXXX loan first and a minimum to the promotional loans. This is unfair credit practices. The extra I pay each month should be going to the promotional loans which are due first. When I make a payment I am not given an option where my money should be allocated causing me to call customer service every month with repeated phone calls. Their monthly billing statement does not clearly state how payment funds are allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: WV

Complaint narrative:
The creditor told me this account was paid in full and should be taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have student loans being managed by Fedloan Servicing and I am disputing the payments eligible for public service loan forgiveness. Over the years I have attempted to get satisfying explanations about why payments were considered ineligible snd have not received adequate explanation. Fedloan servicing has always been my lender for the student loans in question. ( I have another student loan managed by XXXX, but I am not disputing those right now ). These loans have never been consolidated. I have always ( without interruption ) worked for a qualifying nonprofit or government employer. I have routinely updated my qualifying employment by submitting the public service loan forgiveness forms which have been accepted. I would like to dispute my ineligible payments but have not been supported in doing so by Fedloan servicing. I am looking for help challenging these ineligible payments that I have made in good faith toward public service loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
2 months ago Flagstar Bank sent me a letter letting me know that my mortgage payment will increase due to a change in the insurance I chose. They also let me know that I had been sending the payments to the wrong location ( XXXX, Michigan ). The location of where I'm to send the payment is now XXXX, Texas. I sent the payment on XX/XX/XXXX as the money order receipt shows. They payment is XXXX, though I always round it up to XXXX. 2 weeks ago I got a message from Flagstar that they never received the payment, this has happened several times when they change the payment location and even though I had a conversation with them they are still claiming that they have not received it. Notice also on the attached documents the XX/XX/XXXX payment from their website. I sent that payment early and to the XXXX, Texas address. I am frustrated all the time with them and feel that they are trying to take my house even when I make the payments on time. Even when I spoke to them they should have at least checked the XXXX, Texas office to see if the payment was there instead of automatically assuming that I missed the payment. I sent other money to other bills that same time and they all received their payments. I also feel that since I got dismissed from bankruptcy they are really trying hard to put me back into foreclosure.

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 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Chase Bank and asked them if I was able to deposit an endorsed check for my nephew. After getting the okay and instructions on how to endorse the check, I deposited it into the ATM. A few days later I tried to pay a bill online, but my transaction did not go through. I immediately called Chase who informed me my account was frozen until my nephew 's identity could be verified. We then went into a Chase branch and explained how his ID was stolen. The supervisor said we should go to the DMV and bring back the print out, which we did. When we went back to the branch, we were then told per the fraud department that only his actual ID would work or we would have to wait until the XXXX for the check to clear. His ID had not come by the XXXX and the check cleared, but I was then told that I still had to wait and my accounts were still frozen, including my own personal money already in my account. Finally on the XXXX his ID came and we went into Chase and cleared the hold and were told that after 30 mins to go to the ATM to withdrawal the funds. I went to the ATM and my accounts now had a XXXX balance! Chase was closed as well as the phone department. The next day I went into thr branch who told me that as I was in the branch the previous day clearing everything up, they closed my account on suspicion of fraud for not bringing in my nephews ID and closing my account at the very same time. They told me that my accounts are in fact still open but they already issued a check to be mailed so I would have to wait another 7-10 days to access my funds!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: FL

Complaint narrative:
Company Name XXXX Type Bank Date Inquired XXXX XXXXthey sgreed to remove but have not removed feom transunion yet .need remobed asap this was fraudulent due to deo error in stolen data. 
Fraudulent. XXXX had my info compromised. I did not do it credit one agreed to remove. Transunion had failed to remove. 
Also Company Name XXXX/XXXX  Type Bank Date Inquired XX/XX/2021 Also fraudulent. XXXX had my personal info stolen

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 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I WAS SUED BY LVNV FUNDING LLC. THE CASE WAS JUDGED IN MY FAVOR WHERE JUDGE CLEARLY STATED THAT I DO NOT OWE ANYTHING TO THIS DEBT COLLECTION COMPANY, YET LVNV IS STILL REPORTING THE SAME COLLECTION ACCOUNTS TO CREDIT REPORT WHICH IS TREMENDOUSLY HURTING MY CREDIT. I HAVE COURT DOCUMENTS OF THE WHOLE TRIAL WHICH IS PROOF THAT I DO NOT OWE THIS COLLECTION COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Victoria Secret is charging me XXXX dollars from recharges but I had also payed it off on XXXX. They have also closed my account access for Victoria Secret and I can't access that account and now they only call me to charge me about the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Guidance Alum LLC
State: TX

Complaint narrative:
A company called me with information about my loan and said they can help get my loan paid off. They had all of my information already. The name of the school is Guidance Alum.

Company response to consumer: Closed with monetary relief