vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: CA

Complaint narrative:
On XX/XX/2021 I purchased an item in the amount of {$380.00} on my Apple credit card from XXXX. Although my tracking says it got delivered on XX/XX/2021, the package never got delivered. No signature for the package was required. I immediately filed a dispute with Apple, XXXX XXXX XXXX. I also had my landlord check the security cameras and no one entered my building on the day and time of the " delivery. '' When I file the dispute, Apple takes the charge off my balance, then when 60 days ( 2 billing cycles ) go by, they add the charge right back to my balance, which in turn makes me call back and have to explain my story all over again. They then file a new dispute and temporarily take the charge off and the cycle goes on and on all over again. Finally, in XX/XX/2021, Apple asks for any proof that will help the dispute when I contact them. I send in a text communication thread between me and my landlord asking him to check the cameras and him telling me no-one entered the building thru the apple wallet app. I've spoken to XXXX, Apple and XXXX, all representatives are horrible. No one is helpful. Including management. I feel like I'm at a dead end. XXXX and XXXX sends me back to Apple. This has been a nightmare to say the least and this is abuse to customers. Again, this has been going on since XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Violated the Truth in Lending Act when the transaction included a finance charge and finance charges that included additional insurance ; willfully and knowingly failed to provide/disclose information required under provision of Title 15 USC section 1601 ; Violated 15 USC 1681 ( a ) ( 4 ) - by unauthorizing reporting consumer information to several consumer credit reporting agencies ; Never authorized any reporting of consumer information to any consumer credit reporting agency 15 USC 1681 ( a ) ( 2 ) The contract included a statement written in a conspicuous place : " UCC 3-415 '', the terms of the contract were clear according to UCC section 3-415 ( b ). The seller acceptance and deposit of this contract/security meant the alleged debt was full satisfied, yet they continue to collect on the alleged debt, that included repossession of the vehicle.

Sent several written communication that stated that they were attempting to collect a debt in violation of 15 USC 1692 Refused to release the MCO Title upon Consumer Demand

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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 — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
# 1 on XX/XX/21 I contacted XXXX XXXX XXXX ( continental finance ) because of fraudulent card payment activity on my credit card. I spoke with several representative and explained to them that there was a payment of {$460.00} and a payment of {$520.00} made out of my bank account that was not authorized by me. The account was closed and I was issued a new card but still charged 2 separate {$30.00} stop payment fees. 
# 2 on XX/XX/21 I received to separate emails from continental finance confirming my payment to the card for {$140.00} and another payment of {$340.00}. Also the name on my account has been changed to XXXX XXXX. I contacted continental finance and nothing was done about the charges and my account is compromised by this company including my social security number, home address and bank account information.

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 2021-10-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Around the end of XXXX I began planning a trip with my fiance. We had made a purchase through XXXX for a hotel inXX/XX/XXXX. Well we actually tried to cancel prior to the end of the year but we're told we couldn't even though I had proof that it never said we couldn't. In the end I asked for a refund, initially denied, I requested a charge back and never received it, XX/XX/XXXX said they would issue a refund but I believe I never got one as it was nearly XXXX never credited to my account ever... my other issue is that I CAN NOT view my statement from this bank for proof I never got this refund. They won't let me download my credit card statements. They also waited until I made a large payment to lower my credit beyond what I payed so I still owed them money. They are also saying my min payment on my now XXXX limit card ( was XXXX prior to covid ) is now XXXX! I literally have to pay over half my balance because they are predators! Their predatory practices need to end! Targeting people during a global pandemic.

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 2021-10-16 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: TN

Complaint narrative:
I have contacted Equifax and XXXX both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: KY

Complaint narrative:
i bought giftcards off a company buy the name XXXX XXXX and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed

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 2021-10-17 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: KY

Complaint narrative:
i bought giftcards off a company buy the name XXXX XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX  giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: KY

Complaint narrative:
i bought giftcards off a company buy the name off XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not XXXX to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed

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 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: RI

Complaint narrative:
The demo was {$300.00} submitted through speedy cash.com in XX/XX/XXXX. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed 59 late payments on XX/XX/XXXX XXXX and XXXX ended my dispute against Navient stating that Navient verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from XXXX and XXXX stating that isnt the case thay Navient verified the debt as correct and put the late payments back on I believe Navient is in the middle of a cover up I would like to file a complaint against Navient XXXX and XXXX for breaking the law and putting fraudulent information on my credit I would like a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I'm registering my complaint against Convergent Outsourcing. This collection agency has reported with XXXX XXXX XXXX that I have a debt with XXXX XXXX in the amt of {$800.00}. This debt had appeared on my credit report about 2-1/2 years ago, and I disputed this debt on the grounds that I did not authorize service at my residence back in 2015. The XXXX XXXX debt was " Deleted '' by the collection agency that had purchased the debt from XXXX at that time. Now a NEW collection agency, has placed the " Deleted '' debt from XXXX on my report once again 2-1/2 years later. I am requesting that Convergent Outsourcing remove the XXXX XXXX debt from my credit report immediately. Convergent Outsourcing is also misrepresenting the debt, as if they purchased the debt from XXXX XXXX. It is very clear that this debt was already sold to another collection agency about 3 years ago. Furthermore, Convergent Outsourcing " NEVER '' sent me a notice of this debt " prior '' to reporting as a collection on my credit report.

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 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: LA

Complaint narrative:
Arc management group has reported a paid account to credit reporting companies. I paid the original creditor in XX/XX/2020 and this company has been repeatedly trying to collect per reporting and validating said account to credit reporting agencies. I have sent copies of both insurance reciepts and my personal reciept for my portion for the services rendered, yet this company still is reporting and verifying to all credit bureaus. Please have them cease all collections and remove from all credit reports. I will be adding the reciepts below if allowed also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: RI

Complaint narrative:
The demo was {$300.00} submitted through speedy cash.com in 2010. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
As a loyal customer of HSBC XXXX XXXX, I opened my Premier checking account through the XXXX department in XX/XX/XXXX. So far, there were no more than 10 transactions. As I am not a XXXX XXXX, as a XXXX, I have always been very careful about using it, but nightmares still happened. My account was closed on XX/XX/XXXX. 

One week before closing the account, I completed a Bank to Bank transfer from my XXXX to HSBC. There is also a wire transfer payment to XXXX XXXX XXXX. 

The reason why I transferred from XXXX to HSBC before sending money out, because I am a Premier customer of HSBC and I was told that there is no charge for Wire, and the global transfer is also more advantageous. So the remaining transactions are related to HSBC accounts in other countries under my name. 

I clarify that all my sources of funds are savings and income under my name, and there is no behavior that does not comply with the rules of the deposit agreement. 

In XX/XX/XXXX, due to the recurrence of the epidemic, the continuous isolation of entry and exit during the travel period led to the termination of the XXXX case. I admit this is a misunderstanding because I can not go to the branch in person Someone told me that I forgot to sign an important agreement when I opened my account in XXXX last year. I didnt know it. The relationship manager of the branch didnt inform me. Later, due to our language communication difficulties, we requested to change the XXXX lady. My colleagues on the Premier hotline did not mention it, nor did the online banks message center. 

In XXXX and XX/XX/XXXX, the inconclusive review led me to repeat the application for a savings account twice. No one has been paying attention to the outcome of the case, and no one has told me why. Did I get rejected? I am helplessful about it. 

Because the notification is not in place, I can not predict the result of the application, let me repeat the inquiry. 

Finally, I asked the senior customer relations officer to respond to my complaint, because I am outside the United States, I can let HSBC relationship managers in other countries continue to follow up my case. 

As an important customer of HSBC XXXX, I can not decide to close my US account without any warning or notice. This is extremely unfair to loyal customers. 

Many of my friendly friends work for HSBC. I understand your review team, but it must be fair, otherwise I will continue to be fair through the power of the media. I have contacted many times to no avail. I need to upgrade my case to the Director of XXXX XXXX XXXX. You can record my conversation. I love HSBC. This is the bank of my life. I also actively promote HSBC 's business on XXXX social media. Get wider recognition, if you want to know the details, I look forward to presenting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. My information was likely impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax in XXXX of 2021 and XXXX of 2021 regarding my address. I sent Equifax a copy of my lease agreement listing my current address and requested they remove the address they are reporting as it is inaccurate. As of today Equifax is still reporting an incorrect address.

Company response to consumer: Closed with explanation