vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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:
Goldman Sachs Apple Card has a sad history of ignoring and making it impossible to resolve disputes and frauds. Additionally, their dispute 'process ' is a fake scam where they do everything electronically EXCEPT they require people to print and snail mail documents for disputes placing an unfair, undue and discriminatory burden/roadblock for handling legitimate credit card disputes. Most people, especially lower income people, don't even own printers anymore and/or can not meet Goldman Sachs Apple Card ridiculous timelines. To add insult to injury, after sending numerous documents to Goldman Sachs Apple Card and following up with them, they just claim that they never received them. 

Goldman Sachs Apple Card has an ugly history of abusing consumers. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TN

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: TN

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo handled my car loan and my mortgage. when i lost my job of 30 years and took an XXXXXXXX dollar an XXXX paycut i called them to try to get some help. i was denied several times, charged outrageous fees... mistakenly reposessed my XXXX. When i finally sent in paperwork to modify my mortgage they promised to work with me... .told me NOT to pay my mortgage because i had to be overdue to get help. then when i finally heard from them it was FORECLOSURE PAPERWORK!!!! i lost my mind! Over the course of six months they led me on ... .took forever to get back to me ( i saved every email ) then sold my mortgage without telling me. they are awful people and shady business i heard about the law suit and wanted to know what i had to do to be included. I have receipts for all my complaints!

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 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company has hit my credit reports claiming I owe them a debt which I do not Ive never contracted with them and I am not a party to any contractual agreement set forth between this company and said original creditor. 
They need to provide my original contract with wet ink signature showing I owe them anything. 
This is not mine. I used their online method of contact to dispute the debt and I also sent them mail correspondence as well on XX/XX/23 which I never received a response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: TN

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
The bank ( Simmons Bank, XXXX, TN ) of charging a fee labeled " ACCOUNT ANALYSIS CHARGE '' of {$10.00} then reimbursing the account and labeling the credit " XXXX XXXX XXXX ''. The charge and credit is deceptive and misleading. Why charge a customer then reimburse them for the same amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank phone customer service agents do not seem very well trained in giving accurate information on funds availability with the type of account I have. 

I called in to Citibank phone reps multiple times XX/XX/2023 and XX/XX/2023 to inquire when deposits to my checking and savings account will be available. One representative claimed the funds will be available for the {$110.00} by the end of business day on XX/XX/2023. I confirmed it 3 times with her and she confirmed it 3 times with me. The second representative claimed it will be available after the XXXX. 

I asked about funds availability and why this was such a long deposit hold. I received various responses. 

At this time I do not have proper documentation on funds availability from Citibank. All their funds availability apply to teller and/or branch deposits. 

Further, Citibank did not give paperwork nor indicate they mailed paperwork for fees, deposit info., terms & condition for the account. They simply just allow customers to open the account without knowing important financial information. This specific negligence is harmful to XXXX  customers, such as myself, that are trying to navigate a banking system with no direction ( obviously customer service reps give misinformation to customers ) geared toward XXXX  and wealthy individuals. Citibank is setting up minority customers for failure with their accounts by now providing the information in a timely and clear fashion.

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 2023-03-23 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: IA

Complaint narrative:
I claimed bankruptcy in XXXX of XXXX. It was discharged in XXXX of XXXX. There was a mortgaged included in bankruptcy that was not reaffirmed, so nothing was to be reported after bankruptcy discharge in XXXX of XXXX. Upon checking my credit report and score, I noticed that Experian is showing it's been 2 years since my last late payment, which is much different than 4 years and can significantly impact my credit score. I knew that was incorrect as I've not had a late payment on anything since bankruptcy. Upon investigating where that came from, they're saying that my mortgage company reported a delinquent payment in XXXX of XXXX. I contacted my mortgage company and the account was " discharged '' to credit bureaus XX/XX/XXXX due to bankruptcy as well as my account being paid in XXXX of XXXX on time even though it can't be reported due to bankruptcy. I have disputed this 3 times with Experian and once with XXXX and XXXX, and even included documentation that the mortgage company gave me stating that there is no delinquent payment in XXXX of XXXX, but Experian is closing my dispute as " remains '' each time due " The company that reported the information has certified to Experian and XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX has updated and corrected it on their end. 

It should be 4 years and 5 months since my last late payment, not 2 years.

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 2023-03-23 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: MOHELA
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) MOHELA/Dept. of ED, XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

MOHELA/Dept. of ED : XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3300.00} ( XX/XX/XXXX ) XXXX. {$5000.00} ( XX/XX/XXXX ) XXXX. {$3100.00} ( XX/XX/XXXX ) XXXX. {$2500.00} ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. {$6800.00} ( XX/XX/XXXX ) XXXX. {$5100.00} ( XX/XX/XXXX ) XXXX. {$1200.00} ( XX/XX/XXXX ) XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : XXXX. {$2800.00} ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX. {$1000.00} ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a victim of a scam call on XX/XX/2023 from the number ( XXXX ) XXXX at XXXX, then at XXXX by someone named " XXXX XXXX XXXX XXXX who claimed to be an authority from a precinct. 

He told me that my name and social security number were involved in an identity theft. It was a very elaborate phone call, and I was even told not to disclose any of this information to any family member or close friends, and to stay in an enclosed room while listening to him. 

I was later instructed to download the XXXX messaging app, so that the " Social Security Office '' from number ( XXXX ) XXXX, can text me information on the wire transfers that I needed to make. 

The international wire transfer was completed at XXXX on XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ) in the amount of {$57000.00} + {$50.00} transfer fee. This happened while I was still on call with the scammer, and this amount was sent to the following recipient that I was instructed to send to : Recipient Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Chase wire tracking number : XXXX It was wired from my personal checking account at Chase. 

I sent a photo of the receipt and the front of my driver license to the " Attorney General Office '' on XXXX, as they instructed me to ( I later deleted the photos for both their end and mine, but this might have been too late already ; they might have already stored that information somewhere ). 

I realized it was a scam after almost completing a domestic wire transfer at Chase on XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX, the banker there, tried helping me dispute/recall the international transfer. 

I have already went to the original Chase branch to continue following up on the recall and case # that I was provided with. I have done everything from sending secure messages through my Chase account online to in-person follow-ups to filing a police report at the precinct. However, the back-end Chase representatives were very inadequate at combating this fraud/scam case, and I can't imagine how much worse it is for the more vulnerable and elderly individuals who get their retirement funds/life savings, and funds from the death of loved ones away. 

I highly hope this complaint will lead to actions that yield actual results. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Hello, My name is : XXXX XXXX XXXX I was a victim of a crime in Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I was a victim of a crime, the state of Florida paid all my medical bills. This bill is for the ambulance that took me to the hospital. The original debtors ( GLOBAL MEDICAL RESPONSE ) were paid but didn't mark it as paid. Then 7 years later I just got contacted by ( XXXX XXXX XXXX ) saying I owe a collection account of {$460.00}, that past is due as of XX/XX/XXXX. They have already marked my credit derogatory. I never once in 7 years was contacted by the original debtors saying I owed any money. The judge and police officer in the case said all the bills were taken care of and paid for. I believe this was a filling error. According to the state of Florida, they received the money and probably didn't mark it as paid, then sold it over to a new debtor 7 years later in a mass sale of debt clients. I know this to be true because my medical bills exceeded {$18000.00} and everyone else got paid. This was for an ambulance service and was the very first bill I submitted to the state. According to Florida law I and not liable for any medical bills in my scenario since I was a victim of a crime that they prosecuted. 

In accordance with the Fair Credit Reporting Act XXXX ACCOUNT # XXXX, PHOENIX FINANCIAL SERVICE has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: VA

Complaint narrative:
I disputed information on my credit report and the CRA states they have verified the information. This particular account I was taken to court for and the judge ruled in my favor. I did submit a copy of the findings with my dispute. If the company can't prove in a court of law that I owe the debt then why is it allowed to be on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: DC

Complaint narrative:
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! 
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( XXXX XXXX XXXX ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( XXXX XXXX XXXX ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 

Thank You and I look forward to an instant resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
i had medicaid at the time of service. I gave the physician my insurance cards and they just didnt run the bill up under the insurance and put it on my credit report without my knowledge and consent thus breaking my HIPAA rights. I did not give permission for my medical info nor bills to be given to anyone outside of the health care providers office.

Company response to consumer: Closed with explanation