vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
So Apple credit card.

I had one that I repeatedly used in only one place and nowhere else, ever. All purchases were a few dollars each, and all of them were in Missouri. 
Two purchases show up in California for a gym membership and an UberI disputed the purchases with Apple and they denied my claim. I never used my physical card, but only my Apple Pay, and did not join any gyms with headquarters in California, or take any XXXX in the past year. So grossly fraudulent that I actually laughed when they denied my claim. I contacted customer support, paid my balance in full, and closed my account. I dont want anything to do with this company if they wont protect their customers. 
I actually know what happened and the vendor whose machines I used my card with was contacted about this, and they discovered a skimmer and removed two machines. This information was also passed on to the Apple Card Goldman Sachs ( who sounded just like a ) XXXX ( can not instead of cant, will not instead of wont, etcit was crazy ) on the other end of my chat who oddly lacked any semblance of logic or reasoning. Its either complete lackies, broken algorithms, or two people doing paper-rock-scissors who decide these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA
State: ND

Complaint narrative:
There was over XXXX $ worth of unauthorized purchases made for apple services between certain timeframes on my apple card. As soon as i noticed i contacted apple support who tried to issue a refund and then goldman sachs to start a dispute. Apple support informed me that i would be receiving a refund and to close my disputes with goldman. I did so but then a few days later my refunds were denied so apple REQUESTED that I reopen my dispute with goldman to get my money back. I reopened these and most of the charges were winning disputes but today i started to lose disputes and have over XXXX $ in charges now pending on my account. I did not make these purchases and am a XXXX XXXX XXXXXXXX XXXX XXXX If apple card does not refund these I will be in crippling debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the debitor, XXXX for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.

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 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: South Coast Doc Prep
State: LA

Complaint narrative:
South Coast doc was supposed to be helping me pay off my Student loans. FAFSA said they don't work with third parties after I filed a complaint with them. On debit card ending in XXXX {$180.00} was paid debit card ending in XXXX {$47.00} was paid debit card ending in XXXX {$1400.00} was paid. After finding out Fafsa wasn't working with them. I stopped payments. They are now still requesting payments after my loans are paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
I have a mortgage serviced by Citizens Bank. I fell behind on my mortgage in XXXX due to my car becoming irreparable. When I got behind, I spoke with the mortgage department and requested an application for mortgage assistance. I received the forms and submitted them to the website indicated, loansolutioncenter.com, on XX/XX/XXXX. I never received any information from them, so I called back in early XXXX and was told it had not been reviewed yet. I still did not hear anything in XXXX, so I called back again. On XX/XX/XXXX, I made a mortgage payment for one month, and was told I needed to submit additional information including sending one page of the application with a new date on it. I again submitted all this to the website. My information was reviewed on XX/XX/XXXX, and it was noted that I was missing documents. I only discovered this after going back to the website about a week later. 
I uploaded all the required documents on XX/XX/XXXX. I called back on the evening of XX/XX/XXXX after not hearing anything. I was told the documents sometimes took several days to show up when upload to that website. They could see the documents, and I was told my documents would have to be reviewed by someone in loss mitigation. My documents were reviewed by someone on XX/XX/XXXX and it was noted there was still missing information. I uploaded the required documents on XX/XX/XXXX and again on XX/XX/XXXX because the documents did not show as uploaded. On the XXXX, I did a screenshot to prove I had uploaded it as documents seemed to disappear from the site several times. 
I called again on XX/XX/XXXX and was told my case had been closed out of loss mitigation because they had not received the missing forms. I was told to email the forms to XXXX and call back after 24 hours. I emailed the forms on XX/XX/XXXX at XXXX XXXX and called back at XXXX XXXX  on XX/XX/XXXX. I was then told the forms took 3-5 business days to be reviewed by someone in the documents department, and they would then be put in the system and told to call back Monday, XX/XX/XXXX. I requested to speak to a supervisor and was told they would not have any additional information until the documents department reviewed the email. I then requested to speak to someone in the documents department and was put on hold for about 4 minutes. There was not anyone available in the document department, would I like her to schedule a call back? I did request a call back and as of 1 hours later, I still have not heard anything. 
This has caused a great amount of stress. I am able to make the regular monthly payment at this point but can not pay the full amount it arrears to bring the loan current. I tried to get this resolved before I was even 30 days late in XXXX. It is now XXXX and I am worried about having my house foreclosed on despite being able to start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I received a letter from the bank XXXX XXXXXXXX XXXX XXXX. The bank did the investigation on the account and found that it was fraudulent. So the debt collector still refuses to remove the account from my credit report. 
The bank is where the fraudulent account is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an email on XX/XX/24 from Chase stating that I need to call in to avoid my account being closed. I called in and they notified me the decision was made to terminate the relationship and I would get a cashier 's check in 10 days. They were going to hold my money until then. When I asked for the reason, I was not given any. I had to go into the branch twice and call until I finally got someone who approved for me to receive my money. Each time I got the same answer, terminating the relationship and no reason to why. I had to scramble to get a new account somewhere else. The worst experience at Chase and I have been a customer for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I logged into my XXXX XXXX account on Thu XX/XX/XXXX to update my balances for my records. I saw they had change my payment and my auto pay by nearly {$50.00} a month. I looked for statements or a notice regarding why it changed, and there is nothing my account showing those documents or my correct balances or anything with clarity on this loan balances which portion is interest and principle. They also have nothing notifying me of discontinuing any plan i was on, or that my payment was changing. They also didn't notify me that my auto pay was changing, they just changed it without notifying me first. 

I also had received emails and notices about changes to this program they mentioned a long time ago. because of that and the lack of disclosure on my account with them, i have no idea what was qualifying me for or what has happened with my account. The only information about my account still shows {$470.00} for my payment but amount due is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX, XXXX XXXX  : Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank allowed someone in a different state to close my debit card and steal {$15000.00} from my accounts ( {$7000.00} XXXX XXXX & {$8600.00} Checking ). I did absolutely nothing wrong, I notified Citizens as soon as I found out which was the next day after suspicious emails which I provided to Citizens Bank, I filed a fraud alert on XXXX, XXXX, and XXXX, and filed a police report. I've contacted Citizens fraud department and they told me my requests to get my money back has been denied. This happened over a month ago and now it is at the point of the " office of the chairman '' of Citizens Bank and they are still giving me the runaround. This money was stolen right at XXXX time and not only did Citizens never apologize to me for allowing someone to steal {$15000.00} from my accounts but are telling me I may not get my money back at all. This is a huge institution, i've been banking with them for 20 years, shouldnt they immediately give me my money back and then deal with the fraud on their side? Is my money not insured at a major bank? I have hardly been able to sleep or concentrate on work since this happened and its been over a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are 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 arms place and so forth

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 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My mortgage was sold to PNC Bank in XXXX. Since the date it was sold I have not been able to successfully make a mortgage payment without over one hour of investment navigating PNCs channels. 

Months, and months of multiple phone calls, multiple conversations with the IT department, the customer, service department, as well as escalated complaints. And after almost a year, I am still unable to make a mortgage payment online.

Issues have included but are not limited to : - password working in mobile app but not working in browser - locking out account via browser if password is entered wrong once ( even though it works in the app ) locks out account - mortgage payment not possible in mobile app ( see bullets above being an issue ) - password reset for mortgage not working in mobile app or when account is locked out ( again, see above )- very difficult to get to a human in customer service without details I cant get bc my account is locked out. 
- cant use XXXX bc account is locked out - resetting account via a temporary password only works the first time. When going back in, new password will fail to work in browser - 2 out of 4 calls with a customer service agent will result in being hung up on ( I dont think this is a human - I think their phone lines drop ) meaning I have to start over - saved external account shows to phone agents but doesnt show online - cant add external account via mobile app. But broken record cant get to browser bc of password issues The first 6-7 months I spent HOURS with all of their people working my account out. And every month Im back to square one. I have not successfully made a mortgage payment YET without at least 4 failed online attempts and minimum 3 phone calls. 

I have never had so much trouble just trying to pay a bill as I have with this bank. And I am absolutely infuriated that because they bought my mortgage theres absolutely nothing I can do about about it. 

I work in XXXX XXXX. With customer service. With technology. And I can say that this has been the absolute most infuriating, unacceptable banking experience I have ever had. I think it is unacceptable that I did not choose to go into business with this company, and yet have no choice but to spend one hour monthly of my time to try and pay a mortgage bill. 


And yes, I have contacted the company. Monthly. And I make a formal complaint each time. And yet the issues are not resolved. I do not have this problem with any of my other accounts. I am a perfectly savvy user of online, financial applications and websites. The way that they have set up their services and systems is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MO

Complaint narrative:
I called on XXXX and spoke with a representative on the phone. I was unsure of who the company was that they were collecting the debt for. I discovered it was for a medical debt. The debt is for a bill {$480.00}. The collection I was sent added in their interest charge of {$12.00} making the medical debt now {$500.00}, please note that this interest is not from the medical provider. This debt was not an interest-bearing debt before this company took this debt to collect on it. Also, the state of Missouri does not charge interest on medical debt unless a prior agreement is made and signed off on. Also, the representative on the phone stated that since the company has taken on the debt, it is their interest that they will be charging for handling this debt, which I have not signed nor agreed to. my only option to avoid paying interest or garnering further incurring interest would be to pay this debt in full with the original provider or to pay their {$500.00} in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 2024-01-04 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: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I currently bank with experian smart money digital checking and my account was taken over fraudulently. Several unauthorized transactions have occurred. I reported it to the police and my financial institution. However, differential credit has not yet been released and is stated to take a month to be released. That is all of my monthly compensation from the Department of veteran affairs.

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
My hr deposited my whole paycheck into money lion they were only supposed to put 15percent. I figured out where my paycheck was and I tried to transfer it into my normal account and was prompted to the next page wich had an option for turbo transfer instead of the 5-7 day wait so I needed money picked that option but I didnt read it because it transferred it into some investment account and they wont let me withdraw my money! They have hung up on me they have laughed at me and they still havent answered where and when I will get my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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