vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
I purchased two XXXX XXXX  form XXXX XXXX XXXX using Goldman Sachs Apple credit card on two different dates, and I have returned both items. I am still being charged to make payments  on the first XXXX XXXX  I returned. Please see below for the breakup fees. Merchant : XXXX XXXX XXXX. Credit Card Company :  Goldman Sachs Apple credit card. XXXX XXXX # 1 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total cost : {$3900.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) Apple invoice number : XXXX ( confirmation of refund ) Its been 3 months now and I am being charged installment on this XXXX XXXX  which I don't own. Apple confirms receiving the item and refunding the credit card. I have filed a dispute with Goldman Sachs Apple credit card, and they resolved  the dispute in favor of Apple twice without asking me for the proof over the last 3 months. I have asked Goldman Sachs for the evidence they used to make and decision and I am yet to receive it. I  have called XXXX XXXX  several times and they confirm receiving the XXXX XXXX and refunding the credit card company. I have spoken to several Goldman Sachs managers, most recently XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), they understand the problem but were helpless. I have spent several hours talking to people at Goldman Sachs, everyone seem to understand the problem buy no one has  been able to resolve it. I have already made over {$700.00} installment payment towards the XXXX XXXX  I don't own just to not default on credit and I am due to {$520.00} by XX/XX/XXXX. I have been abused by this credit card company. XXXX XXXX  # 2 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total Cost : {$3800.00} ( XXXX  XXXX, XXXX XXXX XXXX, Tax XXXX ) I received complete refund on this XXXX XXXX. The only reason I am including this here is because I dont want people to confuse refund on XXXX # 2 as a refund for XXXX # 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
My mortgage is serviced by The Money Source ( www.themoneysource.com ; XXXX ). I have had a few mortgage servicing issues with The Money Source ( TMS ) in the short period they have serviced my loan. 

I emailed TMS and also spoke with a customer service representative yesterday because the mortgage ( Loan # XXXX ) for my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX is established with escrow withholding for property tax and insurance payment. 

The semi-annual property tax payment on this loan was due XX/XX/2020 to XXXX County and delinquent fees will be assessed as of XX/XX/2020. The TMS customer service rep call admitted yesterday that TMS made an error on my account as I am paying the escrow funds each month to TMS, but TMS ' system is not set up to pay my property taxes. The TMS representative told me this would be addressed and someone would close with me yesterday. I never received any follow-up from TMS and given prior experience with TMS, they typically do not follow-up with customers.

As my property tax payment that should be paid by TMS will soon be delinquent I need immediate assistance please in resolving this issue and ensuring TMS pays my property tax bill before XX/XX/2020. 

Thank you. XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
After paying on my loans for 12 years, with a couple forbearances, I summited an Application for Public Service Loan Forgiveness. I was employed with the XXXX XXXX XXXX on XX/XX/XXXX. My loans were then transferred from XXXX XXXX to Fed Loan.

Apparently my employer put XXXX as my start date rather than XXXX and sent my signature page as a separate scan. Fed Loan then stated the form wasn't signed and the top was cut off when faxed. I had another form sent and faxed my copy as well.

Fed Loan then stated they wouldn't count most of my payments because of the date discrepancy. They wouldn't even count all payments since XXXX. This was soon corrected by having my employer send yet another form to Fed Loan.

Fed Loan then stated they couldn't count the payments since XXXX because there was a prior discrepancy two forms ago and they needed to speak with my employer. They stated a call was placed but the payroll office ( during COVID ) didn't answer.

After I checked my account I again contacted Fed Loan and they stated the employer needed to call with my account number. I asked if they could call because my employer may not wait on hold for my student loans. I was told a call could be placed some time in the next two weeks. I asked for a date/time so I could tell payroll when to expect a call and was then told my employer would need to call.

I called out the obvious. How would Fed Loan know it was my employer? Anyone could call and give my account number and state they are the payroll person who signed the form. I was then told it was

" an honor system ''. Of course, if it was an honor system ( which it shouldn't be ) they would accept the second or third CORRECTED forms. Anyone can make a clerical mistake. It seems with all these hours of communication and repeatedly asking of my employer ( a government entity ) to repeatedly try to help with my loan forgiveness, Fed Loan is trying hard to not approve my loan forgiveness. This process is ridiculous and I don't understand why Fed Loan can not communicate ALL needs in the beginning. If Fed Loan wasn't going to accept the first form and needed to receive verbal confirmation from my employer, why not state that 5 calls and 4 months ago? Now I continue to wait and hope my employer has enough time to wait on hold to call Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 2 : I dispute XXXX Balance {$0.00}, account XXXX. This account is paid in full and was paid as agreed. I have attached payment history. is not mines. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX XXXX XXXX  has failed to update my credit report for my account ending in XXXX. They show I owe over XXXX. The account has been paid on time since XX/XX/XXXXand should show a balance of {$2400.00} of the initial loan amount.

They have been contacted and given authorization to discuss this with my spouse, and they refuse to.

They are in violation of the FCRA and negatively affecting my creditworthiness for years.

The reference # they gave me Ref # XXXX. 

I am trying to refinance and their bad reporting is make it difficult for me to complete 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 explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
I reviewed my credit report and noted a collection account from RMP LLC dating back to XXXX FOR {$85.00}. I asked my daughter in law to contact them because she and my son are my guardians. The following narrative is from my daughter in law : On behalf of my mother in law, I contacted them on XX/XX/XXXX to find out what this was for and pay if validated as my mother in law has been living with us for almost 3 years and we have never received any correspondence on this debt. I was greeted with a person who was extremely rude and when she gave an address that was not ours, the agent began to interrogate me on how they had an incorrect address, this went on and on.. I was able to get in that all I'm trying to do is find out what this is about as she is on SS and had 3 different insurances. The agent put me on hold and promptly hung up on me. I then contacted the original creditor and ascertained that they had failed to submit bill to her secondary insurance and would get back with me. After a week, I contacted the original creditor again and was told that they validated she in fact had other insurances and they errored in not billing correctly. They also stated they would be sending email to RMP LLC to delete the tradeline due to this error. I received a call back from creditor stating RMP LLC refused to delete tradeline immediately, stating they ONLY update XXXX of month and it would take 30 to 60 days. I stated to the creditor that this is baffling as they are purposely negatively affecting someone credit score even in light of learning this was a billing error! Today, we received a billing in the mail from the original creditor for the same claim as the collection company RMP LLC which is still showing on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a a letter from XXXX  on XXXX dated XX/XX/XXXX stating my mortgage loan is past due in the amount of XXXX. I immediately called On XXXX and spoke with XXXX as I made payment per usual of XXXX and it was cashed. It was explained to me that I had a escrow analysis and my mortgage was increased. I explained I never received notification and asked for it to be sent again for my review before I make any adjustments. In addition, I have always traditionally paid the shortage in full as she noted in past years. 
XXXX demanded my banking information to pay the shortage immediately or my loan would be in default. She did agreed to waive the fees. In addition, I asked about deleting my escrow and paying my taxes on my own. In which she provided me with the email address of the escrow department and what contents were required. I was informed that it took 5-7 business days for a reply. 
I contacted XXXX on XX/XX/XXXX to follow up on my request and spoke with XXXX who informed me that the late fee remained from XXXX and I would also incur one for XXXX because I still had not been provided with documentation of an escrow analysis requested prior. XXXX  agree to waive the late fees for XXXX. I asked about the outcome of my request and was informed that I was approved to delete my escrow account. She informed me I still had to pay the shortage or I would incur a late fee for XXXX. I asked if I was approved and I have XXXX in my escrow account why I had to pay an additional XXXX if XXXX would have to reimburse me those funds and she said so I dont pay another late fee. I made payment immediately of XXXX. 
To my utter surprise, I received a notice dated XXXX after being told I was approved by XXXX   on XX/XX/XXXX that I was denied due to delinquent payments. I was delinquent XXXX because I was unaware of the increase! I have not been given the opportunity to even see this bill and when I called the number to rectify I am told too bad and their is no one I can speak to but just email another request. I am be penalized for not receiving a notification. I alone have to accept responsibility for XXXX mailings and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
EOS CCA, XXXX. XXXX XXXX XXXX, MA XXXX Account # XXXX RE :  XXXX {$1000.00} Upon speaking with a Debt Collector about this alleged debt. I immediately, informed the Debt Collector that this was not my debt furnished on my credit report. I informed her that I did not open up a XXXX account in XXXX, NY at anytime. I proceeded to state that I have not used my maiden name since XXXX and disclosed that I have been residing in XXXX  since XX/XX/XXXX. This Debt Collector requested for me to proved that I did not owe this debt. She proceeded to ask for a payment " full '' or " half '' before sending me the forms. I responded " No '' that I am not paying for this debt I didn't create. 

I proceeded to ask what proof they had bearing I open this XXXX account. Upon, receiving this notice I sent a copy of my old driver 's license, paystub and insurance card bearing my marital name as well as proof of address. Because, this has been very damaging my credit profile. In fact, this defamatory remarks has hurt my opportunity to purchase a home. 

I have disputed this matter more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used my Citi debit card for a deposit of {$400.00} for a XXXX XXXX reservation. The cruise was canceled in XXXX when it was supposed to be leaving for XXXX XX/XX/XXXX. My name is not on reservation and the primary booked via travel agency, and neither primary nor agent provided any documentation to me since I made the deposit XX/XX/XXXX. I attempted to get confirmation several times from the primary and they have not honored my request since asking, claiming XXXX XXXX  has not provided them anything either. I asked the primary guest to refund the {$400.00} on XX/XX/XXXX due to COVID-19. She claimed XXXX XXXX would not provide a refund. I then attempted to contact XXXX XXXX, but they would not speak to me since they said my name was not on reservation. I waited to see if the primary would refund, but she was unresponsive and all she told me is that the cruise was cancelled In XXXX which is when I contacted Citibank to dispute. Citibank rejected the dispute due to lack of documentation ( which I explained as above ). I resubmitted the claim for them to re-open and they did start an investigation, provided me the provisional credit, but eventually rejected the claim once again. I again tried contacting travel agent on XX/XX/XXXX and all they provided is the reservation number as XXXX and promised additional documentation in order for me to provide for Citibank to re-open. The travel agent didnt provide any other documentation however, and I have attempted to dispute with Citibank once again. They responded requesting I fill out yet another form ( attached ) and return via post, which I mailed to them on XX/XX/XXXX, but they have not responded to it. I have attempted to address with Citibank via customer service, us postal service, and XXXX. I contacted customer service and asked for a supervisor who said I would need to refile a fourth claim since Im the one who made the purchase and there is nothing more they can do. When I request the customer service supervisor who else I can speak to and if he would at least connect me to their disputes department, he claimed they can not connect me because the dispute department will not answer and I would have to resubmit a claim. I have tried emailing XXXX several times with no acknowledgement, response, nor results.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I recently noticed that I have wrongly been charged {$65.00} in Late Fees. Through my bank I have set up automatic payments to be made every 4 weeks, thinking that there would not be a problem to pay off our debt a little quicker than obligated. In reviewing the XXXX statement, I noticed I was charged a late fee for a payment received on XX/XX/XXXX ; however, the XXXX statement showed that I had made two payments ( XX/XX/XXXX & XX/XX/XXXX ). So in actuality I had made early payments, not late. Not noticing the late fee charged, I was charged a second late fee for not paying the entirety of my XXXX balance ( because the fee was added to the balance ). 

I have never been behind in my payments, the problem is that TD Bank gives you a smaller window to pay than the billing cycle, so by making more frequent payments, they can charge erroneous fees. This is an unfair practice that should be stopped. 

The attached file shows the days on which I paid, every 28 days, and the days where erroneous late fees were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
Unfortunately, CFPB and regulatory agencies are failing in enforcing banks and financial companies to provide minimum customer service. 

I have a question about a charge in my card, and it is XXXX impossible * to contact anyone. Customer are left XXXX completely XXXX unassisted. Obviously, on purpose. 

How CFPB and regulatory agencies allow that? 

Prepaid cards often have very little time to be used ( a few months ). 
MyPrepaidCenter.com, maintained by Blackhawk Network , Inc, has a Contact Us link. The card in question is a Mastercard and they provide the telephone number XXXX. 

Please, call this number. You will be in an automated system with no option to speak to anyone. 

It seems the * only * way to ask a question is to send a physical letter to the address : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX Letters take many days to arrive, can be lost unless you spend more which can be cost prohibitive ( why send a {$5.00} letter to question a {$15.00} charge ). 

Is this the best you can do, CFPB and regulatory agencies? Allow business like Blackhawk to operate with no customer service at all? 

Business like Blackhawk they laugh at regulatory agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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: CL Holdings LLC
State: NY

Complaint narrative:
The following company : JEFFERSON CAPITAL SYSTEM has fraudulently opened a fraudulent past due account and reported it as in collections on my credit report.

I never had an account with XXXX   VISA BUSINESS CARD. I am now buying a house, and this fraudulent collections is putting a {$92.00} derogatory mark on my credit report, from a credit card company that has NEVER been reported on my credit report.

This remark needs to be removed and this complaint needs to be filed to help Americans protect against fraud and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: PA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation