vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: MA

Complaint narrative:
My problem is with my Apple card serviced by Goldman Sacs. I  purchased an XXXX with my Apple card on XX/XX/2020. I purchased a brand new XXXX XXXX. While filling out the credit card information ( took about an hour because the wallet app would not prefill any information and all the boxes were not fill-able ) I finally got the payment done. However there was no option for interest free payments for a year like it was advertised. There was nothing offered, no box to be check or anything. I assumed that because it was an apple card purchasing an apple product on the apple website everything was okay. I payed my XXXX statement and the principle looked to be interest free until this pay period. Now, I owe the full balance of the phone or I face interest charges. I payed off the card and canceled it. This is unacceptable. The only answer I got from Goldman was to return the phone and repurchase it on a payment plan. However the phone is not returnable because its past the 30 days return policy. This card is purposefully marketed towards apple consumers and judging by the poor wallet design, wallet integration and implementation by Goldman Sacs, they are taking advantage of people during COVID-19 and their resolution is basically " to bad ''. I effectively closed my account XX/XX/2020. Hopefully, no one else falls for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX  are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
XX/XX/2020 THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00} AVAILABLE CREDIT LIMIT {$15.00} ANOTHER REPEATED DISCRIMINATORY PRACTICE WITH THIS BANK. CITIBANK APPARENTLY LIKES TO DO THIS PRACTICE TO HARM THE CREDIT OF THEIR CLIENTS CONSECUTIVELY. THIS ACCOUNT HAS NEVER BEEN OVERDUE MUCH LESS THE USE EXCEEDED 50 % NOW MY CREDIT IS AFFECTED BY THIS NEGLIGENT PRACTICE OF THIS INSTITUTION. THIS AGGRAVATES MY HEALTH SINCE I HAVE WORKED SO THAT MY CREDIT IS A STABLE ONE AND THESE PEOPLE WITHOUT PRIOR NOTICE LOWER THE CREDIT LIMIT TO AFFECT THEIR CLIENTS. WHAT'S MORE, YOUR EMPLOYEES DON'T KNOW THE REASON WHY THIS HAPPENED, I KNOW THAT CITIBANK HAS EVERY RIGHT TO SEE MY HISTORY AND IT HAS MORE WEIGHT THAN MY HISTORY, THERE IS NOT A SINGLE DELAY IN ALL MY LINES AND IF THERE ARE TWO ACCOUNTS WITH OTHRT INSTITUTIONS THAT ARE HIGH BECAUSE I HAD XXXX XXXX AND I PAID FOR MY TREATMENT THAN THESE OTHER ENTITIES, WICH IS IRRELEVANT, BUT I WILL MENTION THAT EVEN THESE TWO INSTITUTIONS HAVE NOT DONE THIS DAMAGE TO MY CREDIT AND CITIBANK, WHICH ARE FOR THE END OF LOW LINES DO THIS PRACTICE.

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 2020-07-31 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}

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 2020-07-31 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}

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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 The VA employment security commission deposited my unemployment deposit into my old checking account however I lost my old debit card with this account and I requested that Cash app send me a new debit card or resend the funds back to the VA employment security commission however they refuse to do either This is a nightmare. 

I have contacted Cash app in regards to my {$7100.00} deposit and they refuse to release my money to me. They refuse to mail me a debit card even after verifying my account. I have also filed a complaint against Cash App Corporation with The United States Treasury Department. I have been trying to get cash app to send or release my funds back to VA ESC .but they refuse to do either. I need your help to get my money. 

Cash app location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Here is your requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My account is in deferment due to COVID 19. I am XXXX. The credit card company is still charging interest on my balance. this is not helping me. by doing this, they are forcing my account to go over its limit, and will accrue penalties for this. I can not pay my bills. This needs to stop, the accrued interest. These companies are making a profit. 
I asked to have the apr reduced, they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened an account for Capital One for a credit card in XX/XX/XXXX. I made on time payments but there were 5 months between XX/XX/XXXX and XX/XX/XXXX that I did have late payments. 

However in XX/XX/XXXX I made a payment arrangement with capital one to pay {$50.00} a month until the debt is paid off. I paid {$50.00} on time from XX/XX/XXXX to XX/XX/XXXX. The company did not inform me that each payment I made was hurting my credit. If I knew that I would have never made one payment. I now have 37 charge offs on my account for just this one bill. My husband and I recently found out our landlord is selling the house we are in and we are trying to get pre-approved for a home and this is one thing that is preventing us from being able to move. 

I settled the debt with Capital one for {$420.00} of the {$1200.00} I had left on the balance to avoid any further charge offs that could hurt my credit. Now the debt is paid off but the balance still says {$780.00} on my credit report. I understand that I made the changes in XX/XX/XXXX to settle it so it may take until XXXX to clear it but I want the 37 negative marks removed. When I call the company they don't have anyone I can talk to that understands how the credit is reported. I am a HXXXX XXXX  XXXX myself and I know how read client 's credit reports and when I discovered this ... I regret that I paid them a dime. 

Please help me so I can get pre-approved. My credit is behind 18 points and I have paid off all debts besides my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$6300.00} XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

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 2020-07-31 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: TX

Complaint narrative:
I have paid off the account with XXXX XXXX on XX/XX/XXXX. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: PA

Complaint narrative:
I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my 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 2020-07-31 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: PA

Complaint narrative:
I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my 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 2020-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I have expressed to my car loan lender that I am unable to make payments due to COVID 19. I was told that I am only allowed to place a car payment back into my loan amount once after every 6 months of consecutive on time payments are made. I was only able to do this once after being unemployed due to COVID 19 for over five months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TX

Complaint narrative:
I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP

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 2020-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
Last year in XXXX I was notified of a XXXX $ debt owed to XXXX. It was my fault. I thought the bill was on auto pay and never looked at my statements. ( The account is services by XXXX card holder services ). 

ARS debt collection agency was servicing the debt Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

The representative I spoke with asked for an initial payment of XXXX {$200.00} dollars. They also set up a monthly payment that would automatically be debited from my checking account each month for {$71.00} until the total debt was payed off. 

In XXXX of this year, the final debit for the remaining balance of {$33.00} was taken from the account. These transfers were automatic, and initiated from ARS, not me. 

2 months later, I received a new bill from XXXX showing I owed {$140.00} + {$86.00} in late charges - all from the original debt. 

When speaking to representatives from ARS, they explained that the details of the repayment agreement were no longer available on my account, and they could only see that I was sending them payments for XXXX $ a month. 

The representative said if I paid the {$140.00}, they could waive the {$86.00} late fees. I paid the XXXX $ on the phone with them ( XX/XX/2020 ). 

I was then billed for the remaining XXXX XXXX which was supposed to be waived ( as they explained to me ). After speaking with two representatives today ( XXXX XXXX and XXXX XXXX ), they said there is no record of the XXXX $ being waived, and the company does not even have the authority to do that. 

All Ive been trying to do for the past year is pay off this debt! Every conversation with ARS is recorded ( by ARS ), they are a debt collection agency, so should be keeping records of payment agreements. 

Ive been getting harassed by them, and every time I try and pay the debt down FULLY, they go ahead and pull something shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Good Morning, I would like to formally make a compliant with XXXX XXXX and Wells Fargo Bank. I placed a card on file on my XXXX account which has been deducting various transactions without my authorization. I contacted XXXX and they referred me to my bank. I filed a claim to my Wells Fargo bank and they mentioned that I gave authorization to XXXX. I did not give authorization to XXXX nor Wells Fargo to make these deductions. Please instruct me on how I can move forward.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
Requested Debt Validation from company in XX/XX/XXXX and did not receive any sort of validation. The collection then appeared on my account in XX/XX/XXXX, upon noticing this I requested validation for the debt again through XXXX  on XX/XX/XXXX. On XX/XX/XXXX i received notice from XXXX  stating the debt was mine, however I had received no proof of validation via email or mail. I again filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX again all without receiving verification via email or mail. 

I spoke to a representative at CBJ Credit Recovery on XX/XX/XXXX who assured me that I would be receiving verification of the debt via mail within a fews and have yet to receive anything. All the while, this unverified debt is still be reported on my credit report without proper validation. I have requested items in writing, only to be told they do not provide anything in writing but that if i paid they could provide me a letter from a representative named XXXX. However until proper validation is provided, I do not feel comfortable paying and feel as though the company is trying to manipulate payment from me without having the proper paperwork in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation