vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: DISCOVER BANK
State: PA

Complaint narrative:
XX/XX/XXXX at XXXX I placed a grocery order with XXXX online. Their software malfunctioned. The order didn't go thru, no email, no order #- it was a 'ghost order '. 
But immediately, {$190.00} was pending on my Discover credit card. 
I spoke to XXXX XXXX in XXXX billing. She tried very hard to have Discover remove this charge. She placed a 3-way conference call to Discover. XXXX from the XXXX call center was took the call. XXXX identified herself as an agent from XXXX billing. She asked him to remove the {$190.00}. She told him it was not a legitimate charge and the billing dept would not claim this amount. 
He was extremely rude. He hung up on us. 
XXXX called back. The next rep hung up on her. XXXX called back again. Discover blocked her phone # because the call wouldn't go thru. 
XXXX told me XXXX billing has problems dealing with Discover ; the same problems I'm having. 
All other credit card companies ( banks ) remove the charge after 24 hours if the merchant doesn't claim it. Discover credit holds onto a charge for as long as they can, which is 10 business days. 
THIS NEEDS TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Contacted them and told them never did any business with them, asked them what file they were collecting on and to give me the number to who I owe, they told me no, and if i didn't pay they could garnish my wages and report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: GA

Complaint narrative:
Here 's how everything went down in order : XX/XX/2021 : A payment was made with my stolen Apple Card number, presumably from the XXXX XXXX data breach, to XXXX for an amount of {$83.00}. 

Within the month of XXXX, I received XXXX different XXXX charges of {$83.00}. Apple and Goldman Sachs agreed to give credit for the fraudulent charges, all but that one charge of the same amount as the rest. As a result, I filed a dispute with Goldman Sachs and Apple and they agreed to give me provisional credit in the meantime. 

On XX/XX/XXXX, XXXX and Goldman Sachs informed me by e-mail that XXXX has provided the sufficient amount of evidence that I willingly made the purchase, and closed the dispute. I subsequently reached out to a Goldman Sachs representative to reopen the dispute. 

Today, XX/XX/XXXX, I received an e-mail from Apple and Goldman Sachs claiming that I did not provide additional evidence. I have not received any request contrary to what they said to provide any evidence. However on the conversation from XX/XX/XXXX, I provided sufficient evidence that these charges are fraudulent. There were multiple {$83.00} charges, all but one was singled out to be legitimate. 

Attached is a screenshot of the multiple charges brought upon by this fraudulent activity to XXXX. These are all transactions of this same amount, most of these were already reviewed and resolved, some were declined due to the replaced card number ( after asking Apple to change the card number and not just the virtual one ), and the one that Apple and Goldman Sachs insisted was a legitimate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with XXXX XXXX XXXX A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX  from XXXX  XXXX bank for a total of {$430.00}. At approximately XXXX I called XXXX XXXX XXXX explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXXhrs I contacted the debt collector once again and they do not find me in the system once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I opened an account with Continental Finance/Cerulean awhile back. This month I received my statement the day after the due date. I immediately attempted to call them to let them know in hopes to avoid a late fee. The number they list on their statement and on their website goes to an automated recording and does not give you the option to speak with a representative. The only way to talk to someone at this company is to claim you lost your card or it was stolen which I did and finally got a rep on the phone. I explained my situation and they told me they could not help me with the situation or remove any late fees.The only thing they could do was take a payment but I had to again use an automated system and that they would charge me {$10.00} to pay my bill. Why would any company charge you to give them money? I could not believe that based on my situation and calling them to resolve it that they would charge me to pay by bill! After several tries with the automated system that didn't work I was told I had to be transferred to a payment processing team. Upon transfer, I was hung up on, I called back, I was hung up on again, I called back a third time and again, I was hung up on. So I went online to their website to see if I could talk to someone or make a payment. Again, only phone number with automated options, none to talk to a human being. So, I just attempted to pay my bill online, entered all my information, double checked it and it would not accept it. This company appears to be predatory and seems to make it impossible to get your statements on time, to communicate with them, or give you easy options to make payments. It seems they are doing everything they can to make you late, charge you fees and hurt your credit rating. I am writing the CFPB to make them aware that this company is predatory and not operating in a trustworthy manner to warn other consumers.

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have noticed that my Wells Fargo XXXX credit card statement has been consistently misapplying credit cards payments since XX/XX/XXXX. For example, I made recent online banking payments ( transfer from checking to credit card ) on XX/XX/XXXX for {$500.00}, XX/XX/XXXX for {$500.00}, XX/XX/XXXX for {$400.00}, and XX/XX/XXXX for {$1100.00} - each transaction was credited then subtracted twice from my balance. Thus, leaving me with a growing outstanding balance. On XX/XX/XXXX I logged into my Wells Fargo online banking account and noticed that the XX/XX/XXXX payment for {$500.00} that I made to my XXXX credit card was added to my outstanding balance. I called Wells Fargo today XX/XX/XXXX and told by their representative XXXX that the bank knows about the issue and has been working on it. Wells Fargo never issued a notice to its customers to notify about this problem thats been ongoing with their system for well over a month and a half, and its unacceptable to not have this matter rectified immediately. I would like to know the following : ( 1 ) why hasnt Wells Fargo notified its customers of this problem? and ( 2 ) I want my account to be immediately credited {$500.00} that was erroneously added to my running balance when in fact it was a payment on XX/XX/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 2021-09-30 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: TX

Complaint narrative:
I have tried multiple times disputing this information with XXXX XXXX and all three credit bureaus. XXXX XXXX informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports 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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises
State: PA

Complaint narrative:
I disputed an alleged debt of {$42.00} reported on my XXXX credit report by MarJoe Enterprises. They " verified '' the debt belonged to me. I then sent a letter to MarJoe Enterprises disputing the validity of the debt. They did not respond within 30 days, and still have not responded to validate the debt. I disputed the debt again with XXXX submitting proof that I had sent a letter to MarJoe Enterprises with a return receipt and that they had not validated the debt. XXXX again " verified '' the debt was mine. 

MarJoe Enterprises has not validated this debt with me. They've refused to respond to my inquiry. They are obviously a bad actor and should be banned from debt collection due to their inability to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit card alert that an inquiry was placed on my credit report. The creditor was a collection agency from Sunrise credit. I called the number that was attached to the inquiry because I did not recognize the account. A representative said it was from XXXX XXXX XXXX XXXX  and they sent me a letter, which I did not receive. I told the representative that I moved out of state and did not receive the letter. She said that it was from XXXX XXXX XXXX and I have to pay it and I asked her the amount of the debt and asked can she send me the details. I did agree that I use to have XXXX XXXX XXXX but the amount mentioned was not correct so send me details. She said if you know you owe them than you had time to pay before it came to their office. I explained that I moved and did not receive a call nor letter from anyone in last 8 months. I did mention I owed XXXX XXXX XXXX {$400.00} not {$800.00} and I was willing to settle for the {$400.00} and she said no because I had time. So I said I will not pay until she send me details and she said it will continue to report even if she sends it. Remind you, I called and I gave them my updated address .. next day I received another inquiry on my credit on XX/XX/XXXX so thats 3 times within one week on the same credit bureau XXXX and the other two credit report companies as well. I feel this is illegal and a threat because I called and ask for details on debt and I was willing to settle and sunrise said no. So I feel they attacked my credit report illegally and did not contact me appropriately before placing debt on my credit report. If they contacted me when they received the debt and I refused to comply than I can understand their reason BUT since NO communicated with me, than definitely no acceptable for what transpired. Please have inquiry removed immediately! They should NOT handle the situation the way they did.

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 2021-09-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have tried multiple times disputing this information with Synchrony Bank and all three credit bureaus. Synchrony Bank informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports 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 2021-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I sent a request on XX/XX/XXXX advising that we were recovering from XXXX. They responded to me advising to pay whenever I am able to. From there I continued to be bombarded with emails and text messages. On XX/XX/XXXX I responded to one of their emails requesting they stop contacting me. They emailed twice on XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. I sent a Cease and Desist request on XX/XX/XXXX and again received another email on XX/XX/XXXX, where I resent a Cease and Desist request. I received several more emails on XX/XX/XXXX, another email on XX/XX/XXXX, and another email on XX/XX/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 2021-09-30 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CA

Complaint narrative:
Hi good morning I sent a certified mail package of my 609 letter to verify this information and show me the debt belongs to me. This was verified received by Experian XX/XX/2021. I have not received any mail at all regarding this dispute and my verification and it is now XX/XX/2021. 
I did receive one email stating my dispute results are ready and its been verified. That is not the info I asked for and not once did I agree for communication through email. My email was not even stated on my documentation I sent off. XXXX XXXX and XXXX have successfully removed my collection in regards. Experian needs to look over more closely my documents and request cause they did not handle it correctly and properly!!

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 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND TRANSUNION THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~

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 2021-09-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND ON EXPERIAN AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~

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 2021-09-30 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: FL

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to Jovia on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, Equifax and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 
Please see the attached letter of the certified tracking numbers for letters that was sent out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




Captial one Auto Finance Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation