vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit 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: NC

Complaint narrative:
My wife and I went on an XXXX XXXX mid last-year with XXXX XXXX During our stay on the ship, we were changed daily for our room to be cleaned. However, we noticed that the fridge was never cleaned. As a matter of fact, a spilled drink stayed in the fridge for the entire week. I sent Apple/Goldman Sachs a picture of this, along with emails that i had sent to XXXX XXXX ( to which XXXX ) never responded. I opened a dispute with Apple/Goldman Sachs , disputing the charge of {$970.00} ( the total cost of cleaning the room on the ship ). Twice now they have come back and denied me. And they've asked me to resubmit it. And I do. This time they finally sent me a message over the weekend that the dispute has been resolved in my favor, only to backtrack today and send me an email telling me they had overturned their decision. 

I have spent months and time and energy going back and forth with the merchant, as well as Apple/Goldman Sachs about this. This is not a difficult decision. It is clear to see that the merchant did not provide the service we paid for. And we should not be charged this amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX data breach caused XXXX in my life since XX/XX/2022, I reported it on time and have never received XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently reviewed my credit report and notice a fraudulent account on my report. This account is not mine and did not authorize this. A complaint with identitytheft.gov filed and included.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. IT AFFECTS MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. IT AFFECTS MY CREDIT REPORT. 
XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. FACTUAL DATA The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I called Goldman-Sachs regarding an Apple credit card. I read that by applying for the card, there would be NO hard inquiries and that my credit score would not change. That was NOT true! This was one week ago. I could not speak to a real person, and got hung up on 3 or 4 times! I said do NOT send me that credit card, and that I felt they were frauds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently noticed a fraudulent account on my credit report from XXXX XXXX XXXX, account # XXXX, opened on XXXX  with original balance of {$890.00}. 
I did not authorize this account and it is not mine. Identity theft report filed and included.

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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Our truck was repossessed on XX/XX/XXXXXXXX XXXX We called Randolph Brooks Federal Credit Union that morning around XXXX when we noticed our vehicle was gone. We were given the information of the towing company XXXX XXXX that had the vehicle. We were not made aware that they would charge us {$50.00} dollars to retrieve our belongings. Randolph Brooks Federal Credit Union did send us a notice giving us 21 days to retrieve our belongings or the vehicle ( payment in full only ). The company XXXX XXXX said the fee to retrieve was {$50.00} dollars in the form of cash only on XX/XX/XXXX via phone call. My husband and I called Randolph Brooks on XX/XX/XXXX to notify them of the charge and that it was an unlawful practice, the representative responded that was the fee that the company charged. I feel this is unlawful on Randolph Brooks part if someone has gotten their vehicle repossessed there is financial hardship of some sort and to try to put the responsibility on the tow company is unjust. The tow company is aware of the law and that is why they are only accepting cash for the fee they are charging for consumers to retrieve their personal belongings. Randolph Brooks did not say that it was in the contract that our belongings became their property but said we would be able to retrieve our belongings knowing full well that this company would charge us a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: KY

Complaint narrative:
i have been paying halistead financial for a debt owed to XXXX XXXX  they have reported no payments since XXXX when i have made payments in every month since XXXX. debt reflects incorrect amount and has not been updated to reflect my timely payments. the paid amount is XXXX and remaining is XXXX, the debt owed still reflects {$710.00}, after the first payment was made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was an victim of XXXX XXXX! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in XXXX XXXX  I XXXX XXXX of 2022 i never had an apartment i am still livining with my mom!

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was an victim of identity theft! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in high school I XXXX XXXX of 2022 i never had an apartment i am still livining with my mom!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since XXXX I have been trying to get the bureaus to do their job well since I have sent them notifications to please correct some errors in my credit report, I know that by law they should have done this in 45 days maximum, however until the moment I have been ignored. 

Also many creditors who have already sold the account to collection agencies continue to harass me trying to collect, according to my knowledge this should not be like that, the credit bureaus should regulate it

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After reviewing my credit report again, I can still see the inaccurate late payment accounts that need reporting and correction through your company. The Bureau violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo received an insurance payment on XXXX XXXX and informed me that it would take five business days for me to receive the funds It is now the XXXX of XXXX and I am told there is supposed to be a tracking number attached to a check being sent to me, Nobody can provide me with a tracking number. Ive had to take numerous cash advances on my credit cards ant 30 % interest to cover expenses, as of today my bank account has just been overdrawn. Ive been on the phone with the bank hours at a time for the last four days in a row and nobody can tell me anything, they have now assigned a case number for me to speak with somebody who has not called me back and no one has any information as to where the {$61000.00} check or money is. That is just the first draw. The actual check is for XXXX. My mortgage is only XXXX so thats the overage that they owe me that they are not entitled to but somehow have found a way to keep for almost 15 days, this has been more than inconvenient to say the least

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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
My mortgage was sold from XXXX to Roundpoint inXX/XX/2023. 

Roundpoint did not pay my homeowners insurance when it was due in XXXX, and my coverage has lapsed, for almost a month now I have been without coverage. 

The money is sitting in my Escrow account, and they have not paid out anything from Escrow. I am worried they won't pay out my taxes that are due in XXXX either. 

I tried to contact Roundpoint multiple times via telephone and could never get a human on the phone. One time I was on hold to speak to a customer service representative, I waited for XXXX minutes, and they then disconnected the call. 

I have also tried reaching out via email and have received zero response.

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 2024-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XX/XX/2023, I, in good faith, deposited an endorsed check on behalf of a " client '' into my XXXX XXXX XXXX ( escrow ) account. Later I was advised that " fraudulent activity '' was " associated '' with this check. It appears that I was unknowingly, and without any intent or knowledge, used as a mechanism to transact some sort of fraudulent check cashing by XXXX XXXX. Recently I inquired at my bank, " JP Morgan Chase '', here in XXXX XXXX, and was advised that all of my accounts with them were " closed '' and would not provide me any further information about " suspicious activity ''. XXXX XXXX, evidently sensing suspicious activity around this XXXX check to XXXX XXXX, and filed a " claim '' at his bank and requested a " stop payment '' on the check and it was reversed against my " JP Morgan Chase Bank XXXXXXXX XXXX Account. ". 

The parties involved are : XXXX XXXX, lender/ maker of a XXXX check ; XXXX XXXX XXXX borrower and payee on check ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX, XXXX ; XXXX XXXX XXXX XXXX attorney and name on the " XXXX XXXXXXXX '' account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX ; JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX ( see attachments ) ; " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), ( see attachments ) ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
STILL LYING ABOUT STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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