vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: PA

Complaint narrative:
The tickets XXXX sold me did not work at XXXX XXXX. XXXX XXXX tried scanning them and they showed refunded prior to the day I purchased/tried to use them. I had XXXX XXXX management check to make sure this was correct and they researched the tickets thru their system and it indeed showed they were refunded prior. Meaning XXXX sold me tickets that were invalid the day they were bought. I had to rebuy tickets thru XXXX XXXX directly and suffered wasted time of over 1 hour plus extra costs incurred by their higher pricing compared to XXXX  prices. The XXXX XXXX XXXX told me they may have been refunded prior as they were over a year and a half old as XXXX company purchased them on XX/XX/2021. He said after a year tickets can become inactive. 

I contact XXXX multiple times to resolve the issue and even sent XXXX ( XXXX from XXXX ) an email detailing the events with photos of the managers screen from XXXX XXXX showing the tickets as inactive ( not working ). I called numerous times and each time the manager does not return my calls. I filed a chargeback thru Goldman Sachs ( Apple Card ) but it was awarded in XXXX favor. I have proof of tickets being inactive and proof of my repurchase of tickets direct from sea world the same day for my family to actually be able to enter the park. 

I haves filed another chargeback thru Goldman Sachs and have again tried to contact XXXX but they do not answer. I have been duped out of {$310.00} by this XXXX company selling fraudulent tickets. Attached is the photo of the managers screen showing tickets inactive and also attached are my 4 tickets bought directly from XXXX right after the manager told me my tickets from XXXX were worthless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian and XXXX violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done!

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2023-03-13 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts that show wrong balances and show wrong Amounts Payment statuses are wrong and need to be updated.

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 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Since XX/XX/2023 I have been trying to obtain a pay off letter. I have been told by at least 12 reps that this is being escalated due to my type of loan. Arizona state law provides a maximum of 10 days for receipt of this letter. Currently it is XX/XX/2023 and I have still not yet received this letter. I am again being told its escalated and there is no end date for confirmation. I have missed two close dates on my home with the seller due to this and am about to miss a third. They are now threatening to sue me for missing close of sale.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XXXX of XXXX  I filed a complaint with Experian in regards to a loan account that was a fraudulent account. I sent in all the required paperwork to have the account frozen and blocked from my consumer report. Well as it turns out they never followed proper protocol and the information remained as a result I lost out on a housing deal because of it and they are to blame for failure to do their job properly. They are reporting an account from XXXX for {$7900.00} is in collection but that is not my account and I have disputed this with the company themselves and Experian and nothing was done.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX and Equifax violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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. 

XXXX XXXX : # XXXX and # XXXX, XXXXXXXX XXXX XXXX # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc.
State: WI

Complaint narrative:
Mortgage servicer has been paying multiple insurance companies erroneously this last year and has now recalculated my escrow balance incorrectly projecting large increase in my payments. They are not giving me any time to get this corrected, the mortgage statement I received immediately after the yearly escrow statement has this incorrectly applied. I am now jumping through hoops as fast as I can to get the refund from the incorrect charges and send that in. I am very disappointed after calling Servion servicing call center multiple times, that they will not give me any additional time to get the refunds to them before forcing this incorrect statement on me. I am very disappointed that their error of sending payments to multiple insurance is now all my problem, no help from them, and the ridiculous pressure they are putting on me to get it all resolved in such a short time line.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I want to make a purchase on XX/XX/2023 while I was on vacation and my card was declined. I called the bank and see why my car was declined. I was advised that my account was placed under review on XX/XX/XXXX. Ironically, I never received a email communication regarding this review so I called in to see why my transaction has been declined. Thats when I was advised that I was on the review I asked why, and no explanation could be given. I contacted the branch where I open my account as I was obligated to drive from one state to another to open this account as they needed forms of identification ID says that my account was open no problems. I was able to use my account until XX/XX/XXXX. This account was open to receive deposits from my employee not only that, but this bank has caused a hardship. My rent was due. My car was due, and Im unable to pay it because they are holding my funds for ransom. The person who I spoke at the branch advised me that we were able to get my funds and when I contacted the fraud department or whoever it is that take care of the reviews, they advised me that wasnt true. I was not able to access my phone. The the person who I spoke up the branch called him again because he said that that was not true. I should be able to access my phones. They gave the person at the branch that runs around as well, so then I was advise that I should hear something soon. I called today again the first representative. Tell me that my account is pending closure for fraud remind you my account has been in good standers never once was there fraud any signs of fraud I spoke to the reviews and theyre stating that thats incorrect that my account is under review I asked them again why is it on the review they refuse to I advised them you guys failed to notify me if it wasnt for the personnel at the branch calling you guys you guys will not send me the email on XX/XX/XXXX regarding the review of my account why would they wait till XX/XX/XXXX after someone from the branch calls call them to then send me the email thats also breach of communication between the bank and the customer. I have other bank accounts and not once did I have this issue at this point I just want the bank to release my funds and I dont need to do business but I need my funds. I also want to add the email they sent me has nothing to do with Detail in about account on the review. I have provided the email that they sent to me which is not related to under review which they also send the wrong email to me which definitely shows clearly a breach of contract with communication.

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 monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAMENT ON MY CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR PURPOSE.

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 2023-03-13 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank assumed an installment loan for a truck I purchased from XXXX XXXX XXXX around XX/XX/2019. However, Truist Bank has inaccurately reported the credit status for this account to all three credit bureaus over the last ( 4 ) four years. This action has had a negative credit impact caused by ambiguity.

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 2023-03-13 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: GA

Complaint narrative:
XXXX XXXX account continues to show on my credit reportcand should be removed immediately. I have tried to remove this account on 6 or more instances. This account negatively affects my family and we are denied access to credit products. This causes us to be depressed because we want access to the american dream. This account was settled and I was told this would be removed but it still remains on my reports. I ask that this account be verified as accurate or removed immediately. I have sent numerous disputes to include the agreement I had. I ask that first premier provide me with detailed proof of how this has been verified to include contacts or remove this account immediately. The Fair Credit reporting Act states that any information that is listed on my credit report that is inaccurate, outdated or unverifiable must be removed immediately from my credit file. Credit bureaus continue to not follow the law and the CFPB allows them to do so.

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 2023-03-13 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Incorrect amount shown for student loan payment of {$3500.00} correct amount should be {$350.00} and I have statement showing correct payment amount with dept of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I pay all of my credit cards electronically. They will not accept an electronic payment. Initially this bank " lost '' two different checks for payments. When my first check was late. I verbally requested that my reward points be transferred to my balance and received a payoff number which was then sent via a second check. When this second check was " lost '' In XXXX I opened a dispute with this bank over lost rewards which turned out to be forfeited. The second check was later returned to me with a letter stating that they could not match my name, address and last four numbers of account to me. Since then they have answered better business complaint that they will answer me within 30 days which is up today. Original dispute was to be answered in 90 days with no reporting to credit bureaus. Then they reported me as 90 days delinquent which removed my exceptional credit rating. I filed a dispute with XXXX and it was closed by reporting me as 30 days delinquent instead of 90. A few days later changed to 60 days,. I have a running history of conversations from their online messaging system which I copied and attached here along with the current notes from phone conversations with supervisors at the bank. The delinquency was removed on XXXX and shown zero balance and closed. On XX/XX/10 a {$97.00} balance was placed back on my account at the credit bureaus. I was told by a supervisor today that I would be reported as delinquent again if it wasn't paid on time. Please see attached document which started after no success speaking with them over phone. Please See attached document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : XXXX XXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Reported without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Reported without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation