vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2021 American Express XXXX XXXX XXXX XXXX XXXX UT XXXX REF : XXXX XXXX XXXX XXXX XXXX American Express Card. 
Denied my lawful right to obtain credit me being the Consumer ( 15 USC 1692c ( d ) ) and Original Creditor, A Natural Person I invoke my consumer rights pursuant to title 15 chapter 41 Violation of the FCRA Fair Credit Reporting Act the banking system is dependent on fair and accurate practices. 
my credit report is inaccurate. 
TILA Truth in Lending Act 5-29-1968 CCPA Consumer Credit Protection Act ECOA Equal Credit Opportunity Act prohibits discrimination ( 15 USC 1691 ) 15 USC 1602 ( f ) Credit is the right granted by me to a debtor to defer payment. 
15 USC 1692e 15 USC 1681a ( 4 ) Consumer Privacy is violated 15 USC 41-58 FTC Federal Trade Commission prevents unfair practices, unfair and deceptive The FICO is not mentioned in the FCRA The Consumer Reporting Agency is Fraudulent and obtaining my private information without my consent is unlawful Using XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 USC 1637 Open Ended Consumer Credit Plan on this Consumer Credit Transaction 15 USC 1692 Me the Consumer is being taken advantage by the agency using abusive practices, and inadequacy of the consumer protection law. 
15 USC 1681n Civil Liability for willfull Non compliance obtaining my consumer report under false pretenses, knowingly without permissible purpose. 
{$1000.00} per violation 15 USC 1963k Civil Liability 15 USC 1640 Civil Liability {$5000.00} consumer Credit Plan 15 USC 1681e ( b ) Compliance Procedure and accuracy of report 15 USC 1681b Permissible Purpose I never gave written Instruction to furnish my consumer report. 


I never Granted Permission for any agency to furnish my information in the first place. 
I extended my credit in exchange for the XXXX XXXX XXXX XXXX American Express Card Fraud on the behalf of the Consumer Report Agencies for violation my Consumer Rights for furnishing my information with out my permission I choose to invoke my right as a consumer I am a Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Diversified Adjustment Service, INC which is a collection company violated my consumer rights pursuant to the FDCPA on XX/XX/2021 which they're attempting to collect in the amount of {$1500.00}. I sent them an affidavit of truth along with an invoice which amounted in the total of {$14000.00} to collect remedy for their violations. They sent me a letter compiled with multiple violations under the FDCPA which included : 1. 15 USC 1692f 2. 15 USC 1692c ( a ) 3. 15 USC 1692b ( 5 ) 4. 15 USC 1692d 5. 15 USC 1692e 6. 15 USC 1692b ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I had paid all my balance that I had owed in 2010 to Sallie Mae when I attended XXXX XXXX XXXX. The amount was never deducted from my account and it was rolled over to Navient. I would like Navient to remove the balance that I had already paid to Sallie Mae. Total balance paid {$15000.00} in 2010. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
On XXXX, services were rendered to me for preventive care and screenings. During that time I had healthcare coverage through XXXX XXXX and the visit was free because they were covered under the Affordable Care Act. I do not recall receiving a bill from XXXX XXXX. In XXXX of 2021, I saw a negative report on my credit from a company called Radius Global Solutions in regards to a collections account in the amount of {$630.00}. I disputed it because I thought it was a result of identity theft, because I was unaware I owed any medical debts. They reported back to the credit bureaus that the debt was accurate. I disputed the report two more times after that and they continued to report the debt was accurate. After the 3rd dispute, Radius Global Solutions mailed me a letter on XXXX XXXX from the original company ( XXXX XXXX ) stating it was the final notice and the amount owed was {$630.00}. I found paperwork from my insurance company stating that the claim for those services were paid and that I did not owe anything to XXXX XXXX. On XXXX XXXX I replied by mailing them a letter stating that the debt they were reporting was false information and asked them discontinue reporting the false information to the credit bureaus. I also included proof of my insurance stating they already paid for the services due to it being free because of the Affordable Care Act. As of today XX/XX/2021, I received a notification from XXXX  stating that Radius Global Solutions has once again reported the debt as valid and has decided not to remove the collections account from my credit report despite the evidence that was provided that the debt was not owed.

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 2021-07-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card from CCB/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CCB/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake financial is doing perjury fraud and embezzlement and consumer credit debts ACH deductible accounts getting paid without permission using someone's credit identity theft in laying on my credit report said i purchase. vehicles that I never even ran my credit for and then they're going after my dead deceased father estate repossessing cars that was already paid for under his credit lying about giving the consumers this XXXX XXXX back in a civil lawsuit someone needs to release the feds after them recommended auto insurance fraud as well as consumer fraud my credit score is XXXX now because they been doing it for 4 year now over my estate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has agents who are using discriminatory, predatory, fear tactics, and practices to collect loan payments, and trying to dispute forbearance options lenders have. Agents told me I had used up all my forbearance options, and told me other borrowers who had run out of forbearance had family to help them pay the loan. I explained to them I didnt have family who could help me pay, that I had been in icu for a month, Im no longer employed and unable to make payments, prior to this I experienced loss of income due to pandemic. Agents were rude and inconsiderate and as I stated tried to use fear tactics to force me into repayment even though I have no income at this time. They made several harassing phone calls to me in one day about outstanding payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My name is XXXX XXXX and Ive been dealing with US BANK for 3 months about my money thats sitting in the account and havent been closed yet. Which I contacted them the first time stating to close the account and they replied they closed it XX/XX/2021 which its now XX/XX/XXXX and the money is still in the account. Im tired of the lies with us bank send the money back and close the account. Yall see the name and social doesnt match the name on the account so why not send it back? It shouldnt even have been accepted because the account was suppose to be closed in XXXX but someone claim I told them to keep it open when I never talk to us bank STOP LYING US BANK AND ACTUALLY CLOSED THE ACCOUNT AND SEND THE MONEY BACK THATS MY WIFE CHECK AND WE REALLY NEED IT I DONT WANT TO TAKE THIS FURTHER THAN IT SHOULD BE JUST CLOSED THE ACCOUNT ENDING XXXX and send the funds back! ITS NOT YALLS AND IT AINT MINES EITHER SO SEND IT BACK! I was told it closed on XX/XX/XXXX and I call customer services and find out they still have it pending for closing so Us bank is a liar

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 2021-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi I would like to file a complaint against A loan officer from fifth third back due to false information and damaging my family. I am a mom of XXXX who had previously owned a property that was cashed payed back in XXXX, I tried applying for the first time for a loan and I meet with XXXX XXXX like around XX/XX/XXXX from fifth third bank who assured me that I was good to apply. I submitted documents in regards to my income and he always knew that I was a 1099 ( self employed ) I was not a good candidate for a loan due to my income from my previous taxes year XXXX and XXXX. I had not clue and I fully trusted this loan officer. He also knew that I had to sell my house first in order to buy and he still allowed me to proceed knowing that I was not going to be approved for the loan, I sold my house in XXXX XXXX staying without a home and leaving my childrens without a home waiting for XXXX to give us the great news. XX/XX/XXXX he calls and says I was not approved for a loan due to my income when I had already paid for the loan application, gaved XXXX money, and paid inspection. XXXX gave me a pre qualification letter without any explanation and and without verifying my income /assets correctly. Now Im homeless and about to lose my {$4000.00} XXXX money because this loan officer gave me false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lincoln Educational Services Corporation
State: NY

Complaint narrative:
I sent a debt validation letter to Lincoln Technical Institute in response they ignored my requested and sent a settlement letter instead which I will attach. I have never had an agreement to alleged debt nor signed documents attach to alleged debt. I will attach the debt validation letter that I sent along with proof of it being sent via certified mail. I also will post an affidavit of truth sent so Lincoln on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect and Inaccurate information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was going over my credit report and I noticed Wakefield Associates are on my credit report several times with the same account numbers, same dates and for the same amounts varying between multiple accounts. Some are listed up to 7 times and there is no way possible I have visited a hospital 33 times on the same day. The accounts need to be removed from my credit report. This issue is reporting to all three bureaus incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: LA

Complaint narrative:
I have a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?

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 2021-07-25 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: LA

Complaint narrative:
I have a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect and inaccurate information reporting 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 explanation
Consumer complaint received 2021-07-25 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: FL

Complaint narrative:
I am XXXX XXXX, a Goldman Sachs Bank USA Apple Credit Card cardholder. 
In email from Apple Card Support XXXX with title/header, Your transaction dispute was not resolved in your favor, this email states, The merchant provided sufficient evidence that you made the purchase. This email further states, You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist. Many times, via phone calls to Apple Card Specialists and via United States Postal Service mail, I have requested a copy of this evidence, the information used in this investigation. 
Twice ( in reports dated XX/XX/2021 & XX/XX/2021 ), so far, I have received an auto-generated report of " seven pages in length, a cover page and six pages of " report. '' Page one of the six pages being legible : it is a " MasterCard International ICA Representment Document ; the remaining six pages are a DISPUTE RESPONSE PACKET FROM XXXX ostensibly containing the compelling evidence used by Goldman Sachs Bank USA in deciding against me. This six-page report purportedly contains an image of the invoice from the merchant. IN BOTH INSTANCES OF RECEIVING THIS REPORT IN USPS MAIL, THESE SIX PAGES ARE COMPLETELY, TOTALLY, UNEQUIVOCALBLY ILLEGIBLE. 
Per Goldman Sachs Bank USA, I have a right to see the evidence used against me. My right remains unaddressed. 
In more instances that I can count, I have asked of Goldman Sachs Bank USA, and of XXXX XXXXXXXX ( a credit card processing service ) in both written USPS mail requests and via telephone, to provide me a LEGIBLE copy of this DISPUTE RESPONSE PACKET FROM XXXX 
THREE TIMES GOLDMAN SACHS BANK USA has charged me {$750.00} based on this evidence. And I have disputed the original dispute, and re-asserted my dispute an additional two times, making it a total of THREE TIMES I have disputed this. 
I do not feel Goldman Sachs Bank USA is deliberately keeping this crucial evidence from me : I believe Goldman Sachs Bank USA has an automated-fulfillment system in place to fulfill requests as mine. Therefore, this critical report is mailed to me without a human reviewing it. 
I HAVE REPEATED REQUESTED A LEGIBLE COPY. LET ME REPEAT, I HAVE REPEATEDLY REQUESTED A LEGIBLE COPY, ONE THAT IS REVIEWED FOR LEGIBILITY PRIOR TO BEING MAILED TO ME. 
I have not received a LEGIBLE copy : I am denied my right : I am denied the evidence upon which I may launch a defense. Let me repeat, Goldman Sachs Bank USA, through their automated fulfillment system, is categorically denying me the very right with which they have enfranchised me. Because of this, I am filing this Consumer Financial Protection Bureau complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: MI

Complaint narrative:
Please help as this situation has really plagued my life for the worst. These malicious bureaus must be held accountable for all the wrongs that they place onto the american public. I will trust you take this formal complaint seriously and enforce these acts to the fullest extent of the LAW. On XX/XX/XXXX I sent a letter regarding inaccurate and unverifiable and misleading accounts on my consumers report. To this exact date over sixty days later i have not yet received a timely response yet. I feel as if i am being taken advantage of as a consumer of this great country and my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within thirty days gives a legitimate reason to IMMEDIATLY delete and remove these items from my consumers report. It has been over sixty days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or i will be forced to file litigation due to the stress this misleading reporting has caused me. My information and personal information was also affected by XXXX Data Breach that took place in XXXX and may have gotten into the wrong hands. I AM THE PERSON WHO WROTE THIS COMPLAINT AND ONLY ME. PLEASE DONT RESPOND SAYING OTHERWISE.

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