vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance details Balance {$3400.00} Balance updated XX/XX/XXXX Original balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to dispute the information that this agency has reported. This agency has failed to provide documentation proving that I am responsible for this debt. I am requesting to have this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
Goldman Sachs Apple Card has denied my dispute 3 times so far for a fraudulent purchase made with my apple credit card to the apple store on XXXX XXXX, 2022 in the amount of {$880.00} and the XXXX XXXX side has repeatedly confirmed that they do not see the purchase in their history, so it only shows up on Goldman Sachss credit card side. 

Goldman Sachs is not providing evidence that they see the charge is indeed valid for any goods or services received through the XXXX XXXX as indicated and rejects the dispute without providing details of the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on XX/XX/XXXX. Due to other fraudulent activity i was told to file a separate claim for the XXXX transactions which i did on XX/XX/XXXX and was given the provisional credit. On XX/XX/XXXX i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX  transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well. 

I previously opened a CFPB complaint ( XXXX ) that was closed because Wells Fargo said the information was sent to the wrong department. This seemed to be a way of avoiding the dispute. 

I mailed them another dispute including a copy of the police report ( XXXX ), which was certified and delivered a week ago, and they still have not acknowledged receipt or reopened my case and overturned the decision.

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 2022-08-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: NE

Complaint narrative:
New and updated information regarding Key2Recovery : For the agent responding, to assume that I, the consumer, would know the passwords allegedly provided would STILL work instead of the agent just providing the password or admit that the company is not well trained to perform day to day operations.

Key2Recovery employees spend more time using abusive and obscene words towards consumers instead of just fixing the problem at hand.

I've had a chance to look over these documents and there is several things I noticed on top of this companies deceptiveness, false and misleading statements, abusive and obscene languages, all clear violations of the Fair Debt Collection Practices Act. 

On top of the company showing a ledger with a XXXX balance. None of these documents show the character amount furnished on my consumer report in the amount of {$1600.00}. I have repeatedly asked for verification of this debt or some type of itemization of each dollar amount of this debt and the ledger provided by Key2Recovery shows proof that this debt collector is using illegal, false and unfair means to collect. 

Because the so called ledger is password protected I have included a screenshot of the XXXX out balance along with the alleged write-off amount. 

I have also included the screenshot of this account on my credit report which I would like to point out two different balances that are not reflected on this ledger.

Key2Recovery has violated 15 USC 1692a by providing an abundance of evidence of abusive, deceptive, and unfair means to collect on this alleged debt.

15 USC 1692d ( 2 ) by using abusive and obscene language from not only this agent insuataing that I should have known the password of both of these documents, but from the agent XXXX XXXX by stating that since she is a manager I shouldn't have to speak with another manager although she could not assist me with the day to day operations. And the deceptiveness of not providing a password to get me to call in where the only focus was to get me to consent to receiving unwanted and unfair calls and emails. Also the misleading that ANY agent of this company would be able to assist but no one was properly trained. This only shows that the reason the document was password protected to began with is so that investigators of the CFPB could not see the next violation which is the false representation of the character amount of this debt by reporting two different amounts that have nothing to do with the alleged password protected ledger which is a violation of 15USC 1692e ( 2 ) ( A ).

I can only imagine the consumers that are being affected by this companies abusive, deceptive and unfair ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I had a XXXX credit card with XXXX XXXX In some kind of way my information was sold to Marcus Goldman Sachs. They repeatedly called me asking for payment when I didn't sign a contract with them or consent for them to have my private information. They also are reporting late payments when according to 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This creditor consistently violates my consumer rights and, under the FDCPA, is considered a debt collector. They are furnishing a deceptive form to deceive me into thinking I owe a debt when in fact, I do not. I didn't borrow anything from them pursuant to 12 USC 83 as a bank can not loan its own stock and 18 USC 8 that all debt is the obligation of the United States. A debt validation letter is also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I was at XXXX XXXX XXXX  My acct became past due for 3 months I made a payment back in XXXX of XXXX which brought my acct down to XXXX with accounts receivable my acct went to debt collection last year around XX/XX/XXXX and it went to acct receivable management so it got transferred this year in XX/XX/XXXX almost a year later stating I owe XXXX they added fees to the original balance of XXXX my acct was already with a debt collector so how can they charge me almost XXXX I don't owe that and if they transfer from one debt collector to another how can they add that to my original creditor bill your original debt stays the same they can't go back a year later and add 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 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact MOHELA regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that XXXX XXXX has to process the request as my account was transferred from them. I have contacted XXXX XXXX and they have said that all inquiries must be directed to you. 
I am again requesting a full refund of all payments made to both MOHELA and XXXX XXXX during the COVID-19 pandemic forbearance. Respectfully, I demand that MOHELA fulfills its new responsibilities as the servicer of this loan, and properly coordinates with XXXX XXXX to expeditiously facilitate the processing of this request as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have finished paying my car loan but Capital One still continues to charge my deceased husband and my account. They already released the title, already transfer it to my name but the charges still going on as I still have a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2022-08-26 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: NY

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Instatution, Bank Of America..Branch application taken out was XXXX, NY XXXX That was my only involvement with that branch.My loan was for a simple Lin of credit, it was taken out on XXXX XXXX2022 and dragged out for almost 6 Months never seen any business practices like this in all my 70 years. Ive had numerous loans and never had terrible treatment like this bank has given my wife and I, The individual handling my account was XXXX XXXX and her XXXX XXXXXXXX was XXXX, he was just as bad or worse with no answers that made sense the usual brush off. Never returns calls waiting and complying doing and giving what ever they needed which was getting completely out of hand. On XX/XX/XXXX I had spoken to XXXX numerous times in the months prior, XXXX, XXXX, XXXX, XXXX, XXXX, we also have numerous text messages, from XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all our conversations were all taped by XXXX. In all our life we never heard of line of credit taking 6 months to get and I have no depths at all. Including credit cards etc. with assets over a XXXX  dollars, how does this bank function with employees that give customers the runaround. I have documented proof they received all which was requested. They also had to run my credit for the second time because they dragged it on for so long. Also I want to mention I have a existing Heloc now for {$200000.00} and wanted to payoff mine at the time I received theres, so simple to figure out. Let me know how to resolve 6 months of grief. My wife and I are in tremendous disbelieve, excuse after excuse just hoping you will give it up the process. XXXX and her XXXX XXXX need better training. Remember Ive dealt with banks for manys and have a perfect score that can be documented if needed. I would love to know how that department makes money for its shareholders. Thank you for the time explain my grief in this situation 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 2022-08-26 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: CA

Complaint narrative:
Experian showing disputes with revolving accts for XXXX and XXXX NO SUCH DISPUTES HAVE BEEN INITIATED!!!!!!!!!!!!!!!!!! 

THIS APPEARS TO BE PART OF A LARGER PATTERN OF OBFUSCATION IN AN ATTEMPT TO REFUSE TO COOPERATE WITH AN ONGOING REAL CFPD INVESTIGATION OF INTERNAL EXPERIAN CALCULATION PROCEDURES CAUSING FALSE REPORTING OF REVOLVING CREDIT UTILIZATION RATIOS

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 2022-08-26 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: TX

Complaint narrative:
Equifax pretends they are investigating. Equifax responded they investigated XXXX  XXXX, which I NEVER made a complaint about. 

The hard inquiries ( XXXX XXXX XXXXXXXX XXXX ), 200 SOFT INQUIRES, and 2 accounts from ( DEPT OF ED/XXXX  ) was never removed as I demanded. I NEVER GAVE MY CONSENT OR PERMISSION to report. I provided the FTC report on multiple occasions including uploading it to the prior complaint through CFPB and STILL Equifax is getting away with reporting inaccuracies to my consumer report. This is unjust, this is FRAUD. This is an on-going pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax, XXXX and XXXX has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I made a mobile payroll check deposit on XX/XX/2022 at XXXX XXXX. This is the same time and deposit from my employer I make every two weeks and have for quite some time. Chime changed their policy on hold period for mobile check deposits on XX/XX/XXXX and did not provide prior written notice to me in regards to this change. I made an inquiry XX/XX/2022 to Chime through their support system. I was told in initially it was to make sure the check didn't bounce. I verified with my employer and the check cleared the bank, XXXX XXXX, on XX/XX/2022 and funds were released to Chime the same day. I inquired again through their support system and never received a response. I called on XX/XX/2022 to their support line, and was lied to, again, and told that it was to wait for the issuing bank to release the funds. I requested that Chime void the deposit and allow me to have my funds so that I could find another bank that could handle payment processing and communicating with its customers about account changes. I was told that they could not release the funds to me and I was required to wait five business days.

I received the funds after five business days, requested to close my account and received a communication stating that they had decided to close my account, and also a notice ( after the fact ) of a change in mobile check deposit policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: UT

Complaint narrative:
I was using Albert : banking on you. They started a savings thing in the account without informing me and took money out of my normal checking account without me even wanting to start the savings and now Im fighting with them to put the money back in my account they say the money is mine but wont put it back in my account. Been fighting for two days for it too be back in my checking account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My identity was stolen and opened a few accounts. Account with XXXX XXXX, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter out on XX/XX/XXXX to XXXX. However the credit bureau said the completed the investigation and everything was 100 % accurate. I don't understand how is that possible. I tried calling Barclays and no one has called me back Im on the phone waiting for hrs getting transfer to different departments saying my account is closed, also they showed me the application that was done in XX/XX/XXXX not by me has incorrect information, my mothers name is filled out wrong in a security question this account wasnt open by me. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 
Please help me resolve this issues thank you

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 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, Complain # XXXX regarding Santander doesn't make the fund avaliable in the XXXX after it was transferred. 

After the bank stopped the pactice now it is back doing the same. 

Thank you

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I am writing to dispute the information that this agency has reported. The agency has failed to provide documentation proving that I am responsible for this debt. I am requesting to have this item removed from my credit report.

Company response to consumer: Closed with explanation