vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I made a purchase of almost {$2000.00} in XX/XX/2020 with my Apple credit card! As i was expecting for a minimum due amount to be posted to my account for me to pay the balance in installments it didnt happen, instead they posted the whole XXXX as the minimum due amount and i have to pay it in less than a month, I called them to request for a less minimum amount so that i will be able to pay it gradually! They refused. I asked for the account to be closed immediately to stop it from future transactions. Then i took advantage of the coronavirus payment relief to push back my due date and i paid the full balance on XXXX of XX/XX/2020! My due date was XX/XX/XXXX. They charged me for {$15.00} claiming that i made a late payment though their statement shows that it wasnt late! I called them to ask what that {$15.00} is about, they waived it when they figured out that I paid the balance before the due date, meanwhile they reported to the credit bureau on XX/XX/XXXX as closed account with balance of {$15.00}! I called Apple to dispute the report and they said we will update it next month ( XXXX ) nothing was updated! I called again, they said its getting updated, nothing happened in XXXX, then I called in XXXX and they insisted that I must pay that {$15.00}! I showed them that there was no late payment and they even waived it because it was unnecessary charges since I paid before the due date! They insisted that it was an interest charges because of the late payment and the computer generates that information! Anyway the lady pushed me so hard to convince me that i made a late payment though she clearly saw on the statement it wasnt late and it was waived! So my concern is for that balance to be updated and reported to my credit bureau as paid and closed account with XXXX  balance but that hasnt been happening and its been almost 4 months! I wouldve kept quiet if the account wouldve been open but I closed it because of that bad experience and theres no way for closed accounts to be updated monthly! So they will just forget about my account since its closed and the balance will stay on it forever! This is what my complaint is all about. Thank you very much and will be waiting for your response, Im also ready to provide with any information that you request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CITIBANK, N.A.
State: SC

Complaint narrative:
ordered a freezer XXXX on line from Home Depot, Del. was to be on XXXX XXXX XXXX, I had to call and get a status, apparently they had an incorrect address, right st, wrong state, but, so the del. told me that they would cancel and my acct would be credited, I have made several calls, E-Mails and so far nothing has been done, the best advise they give it it takes 4 to 6 weeks to work out a dispute. The amt. is {$450.00}

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 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI

Complaint narrative:
Global Client Solutions ( company who processed my automatic payment transactions for a debt relief ) has automatically withdrawn an add'l payment from my checking account I did not authorize ( nor was I notified ) after my debt was confirmed settled with XXXX XXXX XXXX. I have graduated from the XXXX XXXX XXXX program back in XXXX in which the company, Global Client Solutions has been handling the transactions with autopayments through my checking account. I was told by XXXX XXXX XXXX in XXXX that I graduated from the program and actually received a refund from GCS for overpayment in XXXX for a little over {$100.00}. There were no addl fees in XXXX and there is now a new transaction of {$120.00} was not expected and pending on my bank account today. I had no alerts or notifications from either these companies thus far and I was not anticipating the transaction nor was I told I had to cancel my account with GCS EVER. This is clearly a mistake as I have not had any transactions posted for XXXX payments since XX/XX/2020. I now have to stop into a bank branch today to dispute and to put a block on the payment. I would expect that XXXX XXXX XXXX and/or Global Client Solutions should pay for any overdraft fees or that XXXX can either stop the payment right away or waive the overdraft fees if I can not stop this in time. I also have a XXXX XXXX mortgage payment that should post today on this same account, potentially causing my mortgage payment to be late. I have NEVER received any notification that there would be any additional charges and have proof of my graduation from the debt relief company and can provide a compete list of transactions, dates as well as the refund I received for the overpayment at the end of my program when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased my lease on my XXXX XXXX from XXXX in XXXX, NJ. On XX/XX/XXXX without any prior warning the transmission went on the car while driving it almost causing us to get into two different accidents. The car had XXXX miles at the time. I called XXXX to get the car fixed they refused and advised it would cost me {$5500.00} and stated the car no longer had a warranty, called Ford Motor Company was told I no longer had a warranty, called various transmission companies to get quotes they were ranging between {$3300.00} and {$5500.00}, there was no way we could afford it and my brother XXXX who is a mechanic advised it was a known problem with the car and even after being fixed would continue to have issues. Did lots of research and found this car was notorious for transmission issues, yet XXXX did not recall any of these car and in the case of the XXXX XXXX preferred to pay out settlements instead of recalling. I worked in good faith to try to get them to fix the car, but to no avail, finally I voluntarily relinquished the car to XXXX XXXX. Especially after the manager at XXXX told me I had to buy the car due to the miles on it. There assumption is that I was XXXX XXXX and the reality is I was helping my nephew who has XXXX XXXX and my son who has XXXX and both require weekly treatments in XXXX. They also said that XXXX miles was a lot of miles, really for a car XXXX XXXX XXXX, who are they kidding I had numerous cars with XXXX, my XXXX XXXX has about that now. I had it with excuses and bogus reasoning not to do the right thing and I was paying the car note and insurance to have a car sit in the driveway for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2020, I opened Dispute ID XXXX with the fraud department in which I disputed three transactions that were unauthorized. These three transactions included a single purchase from XXXX in the amount of XXXX and two transactions at XXXX  for {$14.00} and {$360.00}. The unauthorized purchases were made on XX/XX/2020. The last valid 9authorized ) purchase before the disputed transaction was at XXXX for {$6.00} and this also occurred on XX/XX/2020. 
On XX/XX/2020, Chime closed dispute without justifying why. Also, on this day, I requested additional documentation showing why Dispute ID XXXX was denied. On XX/XX/2020 I received the additional documentation and it stated that : 1. As per Documents we received card was lost. 
2. With valid card present transaction from ( XXXX XXXX XXXX XXXX XXXX, XXXX, TXUS transaction id : XXXX ) after the last disputed which isnt part of the dispute while the card reported lost. 
3. The approximate travel time from valid card present location ( XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) to disputed location ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) is 22 minutes away from each other. 
4. No fraud alert captured by the system. 
I then contacted Chime by email and phone to submit a rebuttal. In my rebuttal I stated that although the transaction for XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/2020, I physically used the card to make the {$6.00} purchase the day before and I believe I lost it soon after, probably while I was at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020, I get an email stating that my claim for Dispute ID XXXX was denied once again for the following reason ( s ) : Base on the dispute form provided, disputed XXXX was lost/stolen. 
Upon investigation, a valid card present transaction happened after the disputed transaction. 
We determine that the disputed transaction is within your vicinity. 
No fraud alert/indication captured by the system. 
No declined transaction/s after the last disputed transaction. 
I insist that the purchase at XXXX XXXX XXXX XXXX XXXX was made on XX/XX/2020 and not on XX/XX/2020 as my credit account has it listed. NO VALID TRANSACTIONS happened after the disputed transactions and my claim was not handled properly. I believe that my claim, Dispute ID XXXX, should have been approved and refunded to my account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MS

Complaint narrative:
I made an online automotive part purchase with XXXX XXXX, XXXX. on XX/XX/2020 in the amount of {$26.00} and on XX/XX/2020, I called to see why I have not received the item I paid for and the represenative said that the warehouse made a mistake and that that particular item was " not '' in stock, ( even though it listed as being " in stock '' ), when I purchased it. ( they sent me another part that I did not order ). I ordered a idle air control valve connector ( pigtail ), they sent me a " Light Connector '' The company " has not '' made any credits to my credit card ( discover card ), for the amount in question. So I called Discover Card to dispute the amount ( charge ), but all I got was rude, uncaring, indifferent employees who have done nothing to credit my account for non delivery of item that I purchased online. I know as a consumer I have the " right '' to dispute a charge for a product and or service that is not as advertised, or is malfunctioned, fraud, etc. I also have the right to get either a refund, or a credit ( not a store credit ), issued to the original method of payment when I have proven my claim. Discover card has some very rude employees and should be fired. I don't see how discover card is still in business considering the way I was talked to/treated on the phone on XX/XX/2020. If they talk to all good paying discover card customers the way I was, then they should close up shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2020-12-15 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: CL Holdings LLC
State: NC

Complaint narrative:
In XX/XX/2020 Jefferson Capital Systems added a derogatory mark on my credit report. Thi account was originally a medical bill which was paid by my insurance prior to the creditor selling it to a collection account. I am no longer responsible for the account. I have had many unsuccessful disputes with the credit bureaus in reference to this fraudulent account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2020-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We are filing a complaint with ocwen for failing to rectify and correct wrongful overcharges from prior lender ( Saxon ) and for ocwen wrongful cost in modification. We seen were CFPB brought suit against ocwen XXXX, XXXX for failing to investigate errors in escrow and excessive fees charged. Immediately when our loan transferred to ocwen XXXX, XXXX we filed a complaint with CFPB XXXX complaint XXXX XXXX are just a few each one with the same issues. Ocwen in XXXX when we modified added the escrow overcharge to deferred principal knowingly that the XXXX modification was incorrect by XXXX overcharge of escrow. We have been charged 80 months accrued interest now since the XXXX modification. 
The XXXX ocwen modification ( letter dated XXXX XXXX that you have in your file also shows wrongful charges. They only credited XXXX trial payment of XXXX instead of 3 which they failed to credit XXXX, they delayed modification from XXXX to XXXX classifying it as a step two which resulted in excessive legal fees, They placed positive escrow of XXXX into escrow application fund, we paid XXXX from payments to escrow, modification advanced XXXX and XXXX escrow was classified on payment history as a loan application. 
How could our escrow turn into negative XXXX XX/XX/XXXX? 
Ocwen failed to investigate and rectify all wrongful over charges, and failed to credit properly knowing first handed we were abused by both lenders being seniors on a fix income

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
An initial letter dated on XX/XX/20, along with my driver 's license was sent to dispute inaccurate information on my credit report. The company sent a response letter dated on XX/XX/20, deleted some inaccurate information but left some inaccurate information. I sent a follow up letter dated on XX/XX/20, requesting method of verification as per F.C.R.A. 611 ( a ) and F.C.R.A. 611 ( a ) 7. 

The company sent three ( 3 ) response letters dated on XX/XX/20, with additional inaccurate information on my report and they sent another person 's credit information. The company also included the other person 's credit information with my credit information. 

The other person 's name and information is XXXX XXXX and my name is 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 2020-12-15 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
In XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold from the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX and I am no longer responsible for the account. The debt collection agency did not verify this account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Portfolio Recovery has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/XXXX. I received no proof of this debt belonging to me. I later sent a second letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me. They signed for this letter on XX/XX/XXXX. Again, i have received no response. This is a clear character violation and lack of validation. I have given over 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has stated that the item remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. How is this item verified? Provide me with Experians method of verification by providing the original contract with signature from original creditor, the payoff disclosure, and credit insurance. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Experian has refused to provide. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Experian still reports ( date of status : XX/XX/2020 ) which is an FCRA violation which means that Experian is not conducting any investigations. Experian still does not report name of original creditor which is a FCRA violation. Experian reports contact information for creditor : XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA. How is this account reporting accurate with three different addresses? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not.

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 2020-12-15 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I files a dispute in regards to the incorrect items on my credit report and its has been well over 30 days and I have not received and investigation results.

Company response to consumer: Closed with explanation