vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My name is XXXX. I am a XXXX  at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX  ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
We took our child for a XXXX  service at the XXXX XXXX XXXX on XX/XX/XXXX. I have my health insurance which should cover the cost completely. However, the XXXX XXXX failed to file the doctor as in-network, which resulted in an additional unpaid charge on us. 

At the time of service, we were told they would fix the doctor-out-of-network problem. That was not fixed and we ended up owning them {$220.00}. However, upon the next two visits of the XXXX XXXX in a month or so, they never told us we actually own them money. Instead, they sent the debt to a collector ( Allied Business Service ) on XXXX XXXX, XXXX, and updated it on XX/XX/XXXX and XX/XX/XXXX ( reduced to {$110.00} which I have no idea how that happened ). The XXXX XXXX XXXX called us ( my wife answered ) on  XX/XX/XXXX as a " complaint response, '' but we never filed a complaint. I only figured out the debt when looking at my credit record in XXXX. 

I visited the XXXX XXXX in person on XXXX XXXX, XXXX. The person told me we they would look into it and contact me. I called again in late XXXX or early XXXX, and was told the same thing. 

So eventually, this episode severely damaged my credit record ( I had 100 % on-time payment of all my credit cards and everything else looks fine ). Despite multiple attempts to solve the problem by visiting them in-person and make phone calls, the XXXX XXXX XXXX still haven't fixed the problem which they originated in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: OH

Complaint narrative:
Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft 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 2020-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a Bank of America member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other BofA credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. Bank of America has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. Bank of America turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. Bank of American retaliated after I filed a CFPB report about their unfair and deceptive practices. Bank of American also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after Bank of American told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that Bank of America has provided them about matters between myself and Bank of America which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. Bank of America reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: GA

Complaint narrative:
I recently reviewed my Experian credit report and noticed fraudulent accounts on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that these fraudulent accounts are not mine but Experian refuses to block and remove these accounts. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing these fraudulent accounts under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for these following fraudulent accounts to be removed and blocked immediately under FCRA : 1. XXXX/XXXX  Account # : XXXX 2. XXXX XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : 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 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I have received numerous phone calls from Transworld Systems debt collection agency. They call from XXXX and then tell me to call their line at XXXX. I work for a XXXX XXXX XXXX. We do not owe anyone anything and all purchases made by us go through a purchase order system. This is a scam company. Each time I call them back they say they have no record of my debt, I tell them to remove my phone number. Shut them down! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a complaint. 
On the XX/XX/XXXX I asked for a due date change.

On the XX/XX/XXXX I asked for a due date change. 
I made complaint to the Cfpb on XXXX REQUESTING A DUE DATE CHANGE I made a complaint with the XX/XX/XXXXon XX/XX/30 REQUESTING A DUE DATE CHANGE How many times do I need to ask for a XXXX due date change. 
In XXXX I called 3xs. 2 of those times were to request a due date change. 

it was a clear breakdown of communication in the past. 
How ever to remedy this I requested a due date change for the 3rd. It was explained to me I need to wait for my account to be in good standing. 

I did. 

Now here I am ready to pay my card on the and I get hit with ANOTHER LATE. 
I spoke to XXXX Id number XXXX She informed she couldn't change it. The late fee was because I failed to get confirmation on the late. And the the same information of how I change the due date and the time line in which to do it. 
She informed me Target sent a statement so it's my fault if I didnt see it. 

I told her and the staff before..literally every one in spoke too..I need a set date. I'm in and out of the hospital..I don't check I go in on the 3rd and pay. Per my record I've had one genuine late I've always paid on the 3rd. Because when I forgot my card the operator target said it was ok.

I understand there was a miss understanding. But at this point its very clear.

I trusted you guys to change it when I called 2 other times. 
You failed. 
I don't know your process it's not my job to know. It's my job to pay on time. And if I cant request a due date change Via phone in the time that was stipulated by Target.

Which I've done in the time line you given me by 2 of your operators. AND IN WRITING 2XS via cfpb and bbb. All times my account was in GOOD STANDING. 

I dont feel like that's ethical for your staff to not change it.. then charge me a late fee. Then make it seem like you didn't know or I failed in some manner to ensure your staff follow thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i swnt the company letter asking them to verify the accuracy of the account and to sen me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: CA

Complaint narrative:
I have a collection account that's reporting on my credit report that I have no knowledge of. I never gave anyone access to my personal information to apply for any types of loans. please remove this account immediately. 

XXXX XXXX XXXX OPENED- XX/XX/2016 AMOUNT {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: UT

Complaint narrative:
On XX/XX/XXXX ( {$960.00} ) and XX/XX/XXXX ( {$900.00} ), I purchased an XXXX ( 2 total ) with the Apple Card. I specifically asked for the installment plan on both ( see attachments ). I did not get the installment plan on either. I got a {$1800.00} balance due on the card. I spoke to the Goldman Sachs rep via secure chat ( see attachment ) and was told in writing they would fix this. Today, on XX/XX/XXXX, I was told by Goldman Sachs their rep was wrong, and they will not fix it. This is classic bait and switch on a promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
XX/XX/2020 I received my first phone call and " notification '' from Bonneville Collections out of XXXX Utah, XXXX  XXXX, Idaho and XXXX, Idaho. when I returned their message. I spoke with a, what sounded like a " XXXX XXXX '' although he didn't clearly state his name. When I spoke with him regarding the debt. I explained I had received no information notifying me that Bonneville Collections had this account. He rudely told me they sent a notice in XXXX. To which i said I had not and requested a new one. He refused. I explained to him I live in an apartment complex, this is common and it is my legal right to have a letter telling me the proper information. He still refused and hung up on me. I am aware of the debt owed to the original debtor, however I was not notified of Bonneville Collections taking over the debt. I simply was exercising my rights as a consumer and debtor by requesting information. I have dealt with Bonneville Collections in the past. They are ruthless and do not follow proper debt collections protocol. Also, infringe upon the consumer rights. Their business practice lack ethical and professional tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
HYUNDAI FINANCE HORRIBLE CUSTOMER SERVICE a young girl totaled my car XX/XX/XXXX, XXXX XXXX pd off lease XX/XX/XXXX in the amount of {$17000.00}, deductible in the amount of {$510.00} bill received by me XX/XX/XXXX, Hyundai cashed it XX/XX/XXXX, They are showing the loan and non payment on my credit report with the credit bureau. They told me I need to submit a dispute, in writing, by mail. They purposely give no fax or e- mail address for customers to use. They will not fix the problem they created. Supposedly once they receive it, it will take at least another 3 months to fix with the credit bureau. Funny how they immediately file the lease or loan, but can not fix the problem they have created. I only found out about it as I was applying for a home equity loan, this problem dropped by credit rating over 100 points. I have settlement on a property XX/XX/XXXX, and is creating a real problem. I asked the representative from Hyundai Finance to e mail me the address with instructions as to how to file it with them, she would not. They have my e mail address with my account, they would contact me when my payment was due, and when they received it. 
I really doubt they would fix the problem even with a request in writing, it would just be lost in their mailroom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In 2015 a car showed up on my credit that does not belong to me. My identity was wrongfully used to get this car. i do not own this car nor have I ever did. Its showing that the car is $ XXXX behind in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Financial institution XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - Westlake Financial Services. 

They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and XXXX  they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX  wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like my fraud alerts removed from 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