vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
in accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account:13800XXXX Account : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account:XXXX Has violated my rights. 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604nA section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-28 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: TX

Complaint narrative:
My consumer report has inaccurate information reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I utilized a 0 % offer from Apple to purchase my son a laptop for college. The installment plan was managed by Goldman Sachs through Apple Card. The transaction confirmation and receipt was sent to the email address I requested to use for this purchase ( at purchase, they asked for an email address ). But the bill was sent to an email address I don't use ( an old email address I used when signing up with Apple/Apple ID. ) I did not receive the bill for several months. Once I found out about it, I immediately made the account current.

-- Goldman Sachs, through Apple Card, reported a missed payment to the credit bureaus despite the fact that they did not properly send the bill to me.

-- Once paid, it took 3 months for Goldman Sachs to report to the credit bureaus that the payment had been made.

-- My credit score plummeted 80 points as a result of this. It has not recovered.

-- I attempted to resolve it through a dispute with the credit reporting agency and by contacting Goldman directly. Goldman refuses to resolve it.

-- In sum, Goldman makes errors with impunity ( 3 months to report payment ), while I am penalized for not paying a bill I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX Transferred/Sold my account to Specialized Loan Servicing, which part of computer share group. 

In my attempt to communicate with such company it has failed. I am formally complaining about the following : 1. Mismanaged and appropriation of funds- When making a payment to my Principal Balance, it does not posted on the month when the deduction from my bank account happens. What that means is that they keep my money and when ever they feel like it they posted, which in turn my money is not working for me as every day counts. interest rate does not stop, in my case my mortgages interest is daily therefore my money is not working for me. A recalculation of funds should be done monthly and appropriate credits to account. 
2. They don't allowed for me to pay my home early- I tried paying my house bi-weekly, this did not work. although they were taking the money out my bank account, XXXX did not posted until the amount was due. Therefore it did not make sense to pay 2x month. This is different form making a principal balance payment. 
3. Making it hard to take PMI out- my house had doubled in price, they would not accept my request to removed it. the mortgage balance is halve of what the house is worth. 

I have made my payment on a timely manner from the moment they became my servicer, never have I been late. I must add getting through their auto attendant is a task as they make it impossible to talk to a live representative. the system hangs up on you if it does not like your answer, how about that.

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 2023-05-28 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: TX

Complaint narrative:
My consumer report is reporting inaccurate information. I have reached out to each of the credit bureaus.

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 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX, I have multiple accounts with Chase bank. I was on a business trip to XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX my wallet, keys, phone, ID, SS Card, and other items were stolen. I filed a police report, # XXXX. I contacted Chase bank about the incident and they advised that multiple charges were in pending state in amounts of {$5100.00}. I advised them to lock the card it and those charges were not me. The chase specialist advised that she can not do anything until the amount post. I was so upset because the amounts were draining the account. I would have to wait till the following day to do anything. I called the following day because at that time now it had posted to the account ( Following Chase instructions given ) I made the claim and advised them that once I receive a copy of the police report I will provided it to Chase via chase secured message center. I also Fax the report from a chase branch due to Chase not able to receive it. After a single day went by ( XXXX  day ) I received a message advising that they denied my claim and that the charges were found to be me. Absolutely Insane. Then at that time I called chase and asked how can this be determined, they advised that they used information gathered in XXXX day. I requested the documents used in verbal and in writing and yet still nothing is received from Chase. a total of about XXXX XXXX was taken and chase allowed this to happen. No one has given me a call and no one is willing to help, I am a private client and XXXX member with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX  which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions in fair resolution.

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 2023-05-28 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: WA

Complaint narrative:
XXXXRemoved erroneous bankruptcy after complaint XX/XX/2023. 
XXXXRemoved erroneous bankruptcy subsequent to removal by XXXX and complaint XX/XX/2023. 
TransUnion and XXXX refuse to remove and REFUSE to provide their proof.

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 2023-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
There are XXXX names on my credit report. My name and ss and my twin name is ss. XXXX XXXX XXXX XXXXXXXX and XXXX I didn't apply for anything from these companies. 
Also my address is wrong I never lived in XXXX, XXXX nor XXXX, 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 2023-05-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2023 i went to XXXX XXXX to open a credit card and they submitted my application and request came back that experian credit agency was frozen. banker asked me to call experian at the following number XXXX to have the freeze released. when you call they give, you two options to release the freeze 1- create experian acct online@www.experian.com or option 2 send letter to experian i, chose option one and opened an experian acct online. i released the freeze and the next day i called my banker to let them know i had done so that is when the banker told me that i now had to use XXXX to order credit report. XXXX was also frozen so on XX/XX/2023 i called the number provided from XXXX XXXX  for XXXX  and could not get customer service individual to help only automated service.i decided to open an online account for XXXX and i provided confidential information including social security number, date of birth, full address and telephone number. when i hit enter button a pop up screen appeared asking me to give consent for XXXX  to pull credit on my behalf and i clicked yes.when i hit enter and went to the site all applications like freeze account was not available nor were any other choices on their site were also temporarily unavailable.I called the number for XXXX  and when i did there was a clunking sound on the phone and a very unprofessional woman answered with child crying in the background who said she could authenticate me with 5 questions to unlock freeze and no PIN required and she released the freeze.then XXXX ordered credit on XX/XX/2023 and credit card was approved, then I received 2 copies in 2 seperate envelopes of my credit report from XXXX in the mail on XX/XX/2023. the report dated XX/XX/2023 showed no inquiries but the report dated XX/XX/2023 showed an account review inquiry that had " my name via XXXX Interactive In '' and ( phone number XXXX ) and this was requested two times on XX/XX/2023. On XX/XX/2023 received a report dated XX/XX/2023 from XXXX showing another account review inquiry from XXXX  ( phone number XXXX ) with two requests dated XXXX and XX/XX/2023. 
I did not make these requests and have contacted social security, filed a police report and am filing this report. As of today I have no idea what my credit was used for in the 4 requests that I have mentioned that I did not authorize. there are no valid contact numbers that I can locate for either of the companies that have submitted credit requests on my behalf.

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 2023-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone used my score or there was a breach. Opened a XXXX XXXX card in my name. Charged close to {$12000.00}. Now my credit score has plummeted!

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me XXXX XXXX XXXX in interest. I had settled my debt with Victoria Secret through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello, Im having a weird issue with my bank. 

i received money through XXXX  from my boyfriend ( {$1000.00} & {$1500.00} ). & now my account is displaying a message saying your account is temporarily unavailable i called the Bank & was told that someone named XXXX was working on my account and i called him directly XXXX XXXXXXXX, left a message him and havent heard anything back from him yet. its been multiple days and i still dont have access to my account or my funds. this has been a terrible experience so far with US BANK. Not sure why my account is on hold but i would absolutely love to hear from someone that can get this resolved.. havent had any issues besides this. i feel as if nobody cares to help me fix my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has wrong phone numbers that show that I uploaded are not my numbers. 

I have not had no residential line. 

My only number is my cell number XXXX 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 2023-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate information on my consumer 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
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, Equifax removed a collection account from my credit report from Company XXXX XXXX XXXX for {$200.00}. However, 7 days later, on XX/XX/XXXX, Equifax added this creditor back to my account after being unable to furnish proof per my request of the debt still being owed. This account is paid in full, and the creditor has indicated that they are reporting to Equifax that the debt is not owed. 

I certify under penalty of perjury and understand that if I make any false claims, I can be liable to federal consequences. Please accept this statement, indicating that I currently have no debts owed to the company XXXX XXXX XXXX, which is currently reporting on my credit report for {$200.00} and have furnished an attached letter showing that this debt is showing as resolved in all of their accounts. 

I demand that this be updated and removed from my credit report immediately, as Equifax is in violation of the Fair Credit Reporting Act, which requires them to report accurate consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
15 U.S. Code 1605 - Determination of finance charge States that I should not be paying a down payment for a car loan. In my case during Covid Exeter Finance had us trade in our car for {$500.00} and also had us put {$500.00} in cash down. We also couldnt get the vehicle off the lot without car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
On XX/XX/2023 i have recieved another email and another phone call from the company true accord in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Account ending in XXXX. On XX/XX/2023, I requested a credit balance refund of {$5000.00}. According to Amex, a check was mailed to me on the same day. Its been more than 3 weeks and I still haven't received the check. I contacted customer service to void the check and issue another one. My request was denied. I received a secured message on XX/XX/2023, saying that they cant issue a credit balance refund as my account is under review. However, I neither received the check nor was the credit re-deposited to my account. I don't know where my money is exactly at this point. Ive been trying to get a credit balance refund from Amex since XX/XX/2023 without success. Under 12 CFR 1026.11, Amex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: NJ

Complaint narrative:
On XX/XX/2023 i have recieved another email and another phone call from the company XXXX XXXX in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.

Company response to consumer: Closed with explanation