vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2020 CHIME closed my checking account for no reason. My account had XXXX in it that I can not access and I can't get back. Where I was supposed to sign in there was a notice for me to contact customer service for further information. Time does not have anyone who answers their XXXX number all they have is an email where you can contact support I went back and forth with support for 3 months sending in about 40 different forms of verification of my identity and eventually I was sent a check beginning of XXXX the checks dated for XX/XX/XXXX. I went to XXXXhree different places and then the bank where the check says it was issued from all three places told me to contact the issuer and the bank said that the check had never even been issued it all is that it was invalid it wasn't popping up in the computers they couldn't find it. So I contacted time again now they're telling me do I have to give them another email address the one I'm using is on fire live use the same email address for the entire conversation with them all the way back in XXXX I don't even use another email address and they're just trying not to give me my money I have pictures of the check in the entire conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: MO

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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: LA

Complaint narrative:
I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: LA

Complaint narrative:
I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory 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 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Todays Date : XX/XX/XXXX I bought 2 XX/XX/XXXX from Apple.com. Apple offered me their Apple card to pay with installment with no interests for 24 months I applied and got a credit for {$5000.00}. 
After I completed the transaction, I received statements Goldman Sachs. In my wallet showed I which they awarded me a daily cash. I was not consulted nor I was awarded of beautiful rewards. Few weeks later I returned both phones and asked for a refund thinking that my account will come back to XX/XX/XXXX= {$5000.00} the original credit I was given. 

Since I did not owe them anything I decided to close my account. I searched several ways to close my account, but I could not find the way to do it, nor an explanation of this daily cash in my balance. Very, very hard to do it. Instead it appeared {$4800.00} and {$150.00} cash in my cash card. 

I contacted numerous Apple employees, equal to numerous hours hanging on the phone and transferred to 7 different departments until finally reached the one that told me that my account had to be dealt with Goldman Sachs ( the issuer of the card ). This was after 2 HOURS. 

By the way, none of all the employees I spoke with would volunteer the direct telephone number to Goldman Sachs Apple card billing department. 
Finally, XXXX, Goldman Sachs employee informed me that in order to close the account I had to spend or give {$150.00} surplus money to someone else, as a gift. I was forced to put his bank acct. routing number and bank acct. number and transfer that money to him. 
The {$150.00} surplus money in my Apple Credit Card got accumulated from the daily cash. It was preventing Goldman Sachs closing my account. XXXX, made it very clear that I needed to spend {$150.00} in order to get rid of the Apple Card Account. After a painful step with her on the phone, I succeeded to complete the process. Eventually, she proceeded to finally close my account. 
Now, I am intrigue by this manipulative Apple Card / Goldman Sachs act that only them can explain. What would happen to my friend when he will receive this money. Because I asked XXXX at Goldman Sachs and she did not know. I am afraid that I did something wrong or illegal following instructions following Goldman Sachs employee. 

Relating this to my friends, they reminded me that in XXXX Goldman Sachs defrauded investors. 
Goldman Sachs Finally Admits it Defrauded Investors During the Financial Crisis https : XXXX Sadly, the government instead of punishing them gave millions of dollars bonuses to its CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Debts not owed due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: FL

Complaint narrative:
One day I checked my credit and it had dropped 120 points because some company I never heard of or received anything from had reported to the CRAs that I was in collections. IT was with regard to a medical debt that I do not believe I owe. This company never gave me any notice or a chance to dispute. Plus, I didn't receive any notice that they were going to report to the CRAs. I disputed it online but have heard nothing since and they did not update the reporting to notify the CRAs that I disputed it. I plan to sue them for the statutory fines after the holidays, but I think that putting you on notice about their abusive and secret tactics is also important.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Hi, I had a personal loan from Marcus ( Goldman sachs ) that I obtained earlier this year. I wanted to pay the full amount but wasn't able to do so due to limitation on the app. I was asked to give a call but couldn't reach anyone due to long wait times. Even the recommended amount upto {$2000.00} didn't work and always got issued. I feel like the company has made it difficult to pay the full amount earlier which is a part of the loan marketing tool that no pre-payment penalty. I think the functionality of the application is an integral piece as each day passes the company makes money off the high interest charged. Furthermore, hard to reach out the company is also a tactic to delay the customer to pay which in turns helps the company make more money. I understand the latter can be an issue during covid-19 but then again they should have other tools to help pay back on time. I want Marcus to take this seriously as a lot of people might not have the patience to pay the amount during multiple days and rely on application functionality, which is used for marketing at the first place too on a high interest rate loan. Everyday delay is material to the client if it's not to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX  was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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:
On XX/XX/XXXX an account from Target/TD Bank was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has placed incorrect information on my credit report. I became terminally ill a few years ago and can no longer work. I callled XXXX to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from XXXX told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from XXXX wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay XXXX. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, XXXX offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. XXXX was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her XXXX as its a XXXX community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet XXXX but because XXXX is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after

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 2020-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX an account from DSNB Macys was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a past due debt with Synchrony Bank. Synchrony Bank sold the debt to a third party in XXXX of 2017 and reported it to the CRAs as a " Charge Off ''. Despite having sold the debt, Synchrony Bank continues to this day to report a " balance '' owed with the CRAs. My understanding is that pursuant to the Credit Reporting rules, once a debt is sold to a third party, the original creditor must report the balance as XXXX. Nevertheless, for over 3 years since Synchrony Bank sold the debt to a third party, they continue reporting the " charge off '' debt with a balance owed every single month. The balance should be XXXX since they sold it. I notified them multiple times and they refuse to comply. 

Keep in mind that the third party who Synchrony Bank sold the debt to also reported it on my credit and also sued me for the balance. I ended up settling that debt out of court. Nevertheless, due to Synchrony 's refusal to report the balance as XXXX  since they sold the debt, it now looks like I owe double the debt. This is wrong. 

Also note that I had a friend contact their attorneys and they wont even respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2020-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda Financial Services ( hondafinancialservices.com, account number XXXX, Automatic monthly payments have been setup and mostly operating successfully since the XXXX XXXX was purchased new in XXXX. In XX/XX/XXXX, the automated payment of {$260.00} failed. The XXXX  XXXX XXXX checking account used for the automated payments had over {$11000.00} in checking in XX/XX/XXXX. We typically keep a significant balance in this account to pay this and other automated bill payments. When we became aware of the error, we paid Honda Finance {$520.00} in XX/XX/XXXX, and {$530.00} in XX/XX/XXXX, to resolve any unpaid amounts and fees. Honda Finance posted a negative report to financial reporting agencies, which has significantly lowered my Credit Score and rating. Honda Finance is unwilling to resolve this issue. I can not qualify for a new Home loan because of this negative credit report, which I do not believe I should be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TN

Complaint narrative:
accounts opened without authorization

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 2020-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation