vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I applied in XX/XX/XXXX for an Apple Card, advertised as " A new kind of credit card. Created by Apple, not a bank ''. I never received an email confirming that I could not receive an Apple Card. My credit reports has notes on the negative accounts that should have been considered positively. I can not understand with artificial intelligence how algorithms advertise Apple products to me and my Cell Phone carrier since XXXX, offers me CREDIT to purchase any new smart device including Apple devices through it's lender, but APPLE  has received revenue from me directly since XXXX for my XXXX XXXX and XXXX and third party for 2 of the 3 XXXX  that I own have purchased, and I couldn't get a line of credit for even its cheapest accessory - XXXX XXXX. 

I just requested my credit report and received it last week and am requesting updates, edits and investigations. I applied for the card to grow my small business by adding helpful accessories to help me run my business and was denied and was not given correspondence to remedy or follow -up. All in the light of Apple and its lender discriminating against women. I am a women small business owner and minority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The actions of XXXX XXXX has damaged my credit and allowed XXXX XXXX to try and escape further litigation for defective products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I try to make attempts to make through online automatic system my social security number was not being recognized when I called in. I have XXXX staff was not giving me accommodations to make the payments. I was not properly notify that things where going be reported to credit report. I had several occasions were I was on hold for long periods. I am XXXX the staff told me it is my responsibility that I am XXXX. I made very attempt to make the payment.Paypal will not talk to me and synchrony bank is discriminating against me because I have XXXX I brought it multiple times that I can not read the bills and was not properly notify by phone because I can not read or see the bills.

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 monetary relief
Consumer complaint received 2019-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX  XXXX  was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find 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 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account with Capitol One and a brokerage account. i funded the account and i bought some stocks online and the checking account that i funded with cleared and after 15 days they said it then didnt clear and after that they pulled the funds back over and then Capitol One did what they say they would not do and they were telling me they would give me 72 hours to make good the amount reguardless but they did not they sold my stocks within the first two hours of my notice and I did not get the stocks that had already made me over XXXX  and i did not get to male good the account because the online accounts were opened and check cleared for that long since it was a new account they did ten days but it was also opened by ach transfer that cleared and that money was taken to cover the other account and that was not linked though it caused the account overdrawn and yet i had overdraft also and the entire thing turned out without the banking policy of review as i complained twice thru online and written letters and they did not respond to the compliaints and i didnt get any of my money or any of my stocks and no response, that they say were saying i would have the money while investigation would go on et cetera. Reference XXXX also dates XX/XX/2017 available funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This company has reported that my account is closed ... my payments are not applied correctly and their computer payment system, does not state when a payment is processed in a timely manner. I am not filing a chapter XXXX ... or chapter XXXX my husband is however, but we plan to reaffirm the vehicle account as stated to them on XX/XX/2019 when I made my payment.

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 2019-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX  so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find 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 explanation
Consumer complaint received 2019-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am having problems getting the XXXX 30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: iQuantified Management Services, LLC
State: TX

Complaint narrative:
XX/XX/2019 - XXXX XXXX  performed by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 
XX/XX/2019 - Received the FIRST and ONLY bill from XXXX XXXX XXXX XXXX for {$230.00} XX/XX/2019 - Paid bill online with Visa Credit Card XX/XX/2019 - Received Voice Mail from Quantified Management Services about collecting an unpaid debt. 
XX/XX/2019 - Received second Voice Mail from Quantified Management Services about collecting an unpaid debt. 

XX/XX/2019 - Returned call to Quantified Management Services and inquired about the debt they are trying to collect on, and who the company was that I owed the debt to. 
They informed me it was for XXXX XXXX XXXX XXXX. I attempted to inform them I had no outstanding debts with XXXX XXXX XXXX XXXX but the individual on the other end would hear none of it and disconnected the call. 

XX/XX/2019 - Called the Billing Dept at XXXX XXXX XXXX XXXX. Spoke with  XXXX. She informed me that the bill showed " paid '' as of XX/XX/XXXX. I informed her that I paid online with a credit card on XX/XX/2019, and also that I checked my Visa Credit Card Statement and it shows a posted date of XX/XX/2019. She informed me that the bill was 90-days over due and that was why it was sent to the Collection Service agency hired by XXXX XXXX XXXX XXXX. I informed her that I received the bill on " XX/XX/2019 '' and that the statement date shown on the bill is " XX/XX/2019. '' Therefore, how could this bill be 90-days overdue, especially when I paid it within 10 days of receiving it? She surmised it was because their billing dept was waiting for my insurance to pay their share of the bill and it went past the 90-days and thus triggered the collection agency into collecting a debt past 90 days. So why am I being penalized for their shortcomings in their billing dept.? XXXX XXXX XXXX XXXX obviously has internal problems with the procedures they follow for their billing protocols. XXXX said she would notify Quantified Mgmt Services that the bill was paid and I should not be getting any more calls from their collection dept. 

XX/XX/2019 - Received yet another follow up correspondence via usps from Quantified Mgmt Services dated XX/XX/2019 attempting to collect on this same debt of {$230.00}. 

XX/XX/2019 - Wrote a complaint letter to XXXX XXXX, the Administrator for XXXX XXXX XXXX detailing the harassment I have been receiving from Quantified Mgmt Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dispute capital one for {$750.00} on XXXX XXXX because the account was paid off and they just opened a new collection. Also I am being charged twice for medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NY

Complaint narrative:
I recently noticed on my Experian Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX  XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx

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 2019-11-13 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: NY

Complaint narrative:
I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX XXXXk XXXX - Acct # XXXX XXXX XXXX - Acct # 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 2019-11-13 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
To Whom It May Concern, I thought it would be easier if I copied what I sent to Kohl 's Office of the CEO. I don't even know if I have the best contact to be honest, but I feel severely harassed by Kohl 's Credit Credit Card. If I need to get the phone records to verify I am willing to do that! 
I understand losing my job for 3 1 weeks is my problem, but I haven't slept in 9 days as I started 3rd shift. I'm clearly a little behind, and trying so hard to be honest and catch up!! I called last Thursday to make a payment and was told current and all set!! It is not even a week later. If Kohls needs to put me in tears for a XXXX and a XXXX late fee I refuse to pay, then shame on them! a I will never shop at Kohl 's ever again. I don't they care, but I want them addressed for harassment!! My phone number is XXXX. Thank You! 

XXXX XXXX XXXX Good Morning, My name is XXXX XXXX and my Kohls Charge is # XXXX XXXX XXXX XXXX. I just had a whole email I was going to send thru the message center, but this needs to be addressed a little bit more up the ladder I guess. I recently lost my job for about 3 1 weeks. I know you could probably care less ( clearly ), but was pretty horrific for myself! I'm back to work 9 days and my guess is your credit card customer service has left 5 voice mails, called ( ALL HOURS ) from multiple numbers. I couldn't even block them all, and to be honest, I gave up!! 
So now that I'm back to work trying to catch up I can't sleep because the calls come in all the time. I started 3rd shift too. Also, if you check your ( recorded ) calls I did call last Thursday, and was told current!! Pull your calls and records and prove me wrong if you wish I don't really have ANY respect left for Kohls to be honest!! So, here it is Tuesday and all hours phone ringing. I did get a restricted call once at XXXX XXXX  EST, and I'm having XXXX research to tell me if it was Kohls!!! 
I will not pay your late fees nor will I shop at your store again! If I get one more phone call I will contact the XXXX XXXX XXXX, Federal Trade Commission and do some research on the Kohls Class Action Suit that was approved to move forward a few years back. What you're doing is out of line and harassment! Like I said, I'm not paying any late fees and I best not be harassed any more by phone. I will make your MUCH NEEDED XXXX this Friday. I also pray that restricted call wasn't Kohls Credit Card!! This is my email and I will respond. Your company had me in tears. Kohls should be ashamed!!! 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I have attempted to log in to my account with FedLoan Servicing. After correctly entering my information, the website would load, then automatically log me out, saying it did so for my own security. After successfully logging in and then being automatically logged out several times, they informed me that my " account is locked for security purposes ''. 

I'm then instructed to email them to resolve the issue. However, the ability to email them requires me to log in. So when I try to email them to fix the problem, it states that my account is locked for security purposes. I'm then instructed to email them, and so on, in an endless cycle which presumably completes at the heat-death of the universe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On repeated occasions in late XXXX and early part of XX/XX/2019 legal representatives of Attorney law firm Cooling Winter ( http : //www.coolingwinter.comXXXX  ) come to my home looking to collect for XXXX XXXX which does not reside at said residence and to cease. I advised them this and they continued to harass my household. The last straw was when a XXXX XXXX XXXX or acting representative tormented via questioning attics and forced a child in my household to take legal documentation that does not pertain again to anyone in this household. I emailed them to not contact us via phone, mail, or in person anymore for a debt that is not ours and not abiding by legal guidelines in place for fair collecting debts. Recently I was told by one of my neighbors that they have been scouting the area. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: MOHELA
State: MI

Complaint narrative:
XX/XX/2019 I sent a letter to XXXX asking them to investigate MOHELA. I asked XXXX  to get MOHELA to send the original contract of the loan with my signiture and XXXX  failed to provide me with that information. Instead XXXX  sent me dispute results saying item is updated with out any proof that an investigation was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : Waypoint Resource Group : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2019 I sent a letter to experian asking them to investigate XXXX. I asked experian to get XXXX to send the original contract of the loan with my signiture and experian failed to provide me with that information. Instead experian sent me dispute results saying item is updated with out any proof that an investigation was done.

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