vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I made at a purchase at XXXX XXXX XXXX  for {$1400.00} and {$570.00} on XX/XX/XXXX. I returned the items to XXXX  via XXXX. In summary, I returned my items and XXXX claimed they never received them. Below I am going to type out a more detailed description of what occurred along with screenshots to back it up. I have labeled the attachments accordingly. 

Attachment 1 shows my order in its entirety and that it was purchased on XX/XX/2021. I tried to replicate my cart but there was no return options on the screen so I went on their website and discovered that their return policy is a 30 day return window which is shown in attachment 2. I reached out to them on XX/XX/2021 asking for a return and they emailed a link for XXXX return items. I downloaded the shipping labels. Attachment below are the shipping labels which were provided from those links. Those were the shipping labels I attached to my returns and dropped off with XXXX. Also attached below is proof that my returns were delivered. The tracking numbers at the top of the XXXX  page show that they match the labels I used. Also in attachments, shows the returns were signed for by a XXXX  on XX/XX/2021. All of this was within the 30 day return period which was provided in attachment 2. After not hearing anything from them for a week or XXXX, I reached out via their chat function and they told me they would escalate it to a supervisor. I asked for the chat logs of that chat but XXXX refused to give me the chat logs. After numerous attempts of calling them, no one could provide me an answer or refund so I went the bank dispute route. Apple card with goldman sachs has been absolutely awful to work with. To begin with, I've sent them all this information beginning on XX/XX/XXXX when I opened the dispute. Since then they have continuously denied my disputes with nothing but reset answers and refuse to help me anymore. I requested the dispute information be sent to me XXXX  times ( first time on XX/XX/XXXX ) and not once have they sent me the information that helped them make their decision. I returned these items and showed my return was delivered but for some reason they still are denying me. Now they are asking me to pay them so ill be out of the money and now i don't even have the items. They are bullying me and I can't do anything about. They've been rude to me and can't help but provide scripted answers to anything. Ive disputed, ive appealed but to no avail and through the whole price goldman sachs and apple card have been absolutely useless. 

( the attachments provided show my return labels and the subsequent proof of delivery of those returns to XXXX provided to me by XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the XXXX XXXX XXXX XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & XXXX XXXX XXXX  XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been XXXX days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX {$3600.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The Amount say {$1700.00} Is Inaccurate. how is the High Credit lower than the balance. the high credit is {$1300.00}. I reported this 3 times they telling me Subject has not satisfied debt. Equifax is the only one reported this how do they have information that the other two Credit Bureau don't have. and the last day of Active is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed Capital One to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in NY for nearly a decade as I've been living in Michigan. Yet Capital One and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following companies obtained a copy of my credit report without my authorization : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN - XX/XX/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 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had maid several attend to reach the the company as well as the bureau to remove this alleged, incorrect, non authorized and inaccurate account out my credit report. 
They bureau refused to do so. 
As a result of that my score drop, and I am at risk of being denied a Morgage. 
I will appreciate your prompt assistance on resolving this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This is an update of XXXX, previously filed. The Citizen 's Bank does service this loan, they have the name wrong, XXXX XXXX is the Mortgagee, not XXXX, they do take payments at the XXXX XXXX, Va. address and their corporate address is XXXX, R.I.

They continue to send incorrect information regarding insurance payouts from escrow that never took place. They are now asking for a " shortage '' payment which is incorrect. 
I am attaching my latest letter to them, please reopen the complaint or forward it to other banking compliance regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
In XX/XX/XXXX I paid XXXX to my credit card, the specific date was XXXX. I pay my credit card as soon as I get paid and due to XXXX pay being early I paid earlier than I usually would. I did then not make a payment until XX/XX/XXXX, thinking that both months were covered. However these payments were communicated as being outside of the period from XX/XX/XXXX- XX/XX/XXXX. I would like to point out that XXXX is well above the minimum required payment of XXXX which was expected before XXXX. I then paid a further XXXX on XXXX. Due to this human error I have a late payment on my credit rating, which is causing significant issue and is not on my XXXX XXXX report as " high impact ''. It is due to be " optimised '' in three months ( states that it does so after XXXX XXXX however I have read elsewhere it can stay on your report for 7 years. Is there anyway that this can be looked into. I have formerly spoken with XXXX who advised there was nothing they could do. I contacted the ombudsman however heard nothing back. I would really appreciate some help with this, as although the payments may have been out of periods due to human error, it was not missed. I paid XXXX across a 5 week period. 

Thank you,

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I applied for this schools years ago however due to a move I wasnt able to finish the classes and in order to transfer any of the class transfer and I had to start all over again. Also, I never asked for private leans I request at the time what ever free money I got from XXXX. The school was never very good on explaining the debt. I been paying this for years and every payment I make doesnt see to make any difference instead it seems that goes up instead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I'm writing this complaint in regards to a collection from XX/XX/XXXX to resolve and remove fraud on my account of a sum of {$1200.00}. Creditor Liberty Mutual Insurance ( XXXX XXXX XXXX, XXXX, MA XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ) falsely used my information to insure a car without any signatures or being made aware. There was a delinquency that was given to collections and has stained my record. 

When I called to dispute in XX/XX/XXXX, collections service was rude and disrespectful. And could not resolve something that was fraudulent. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation