vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I have a saving account at Marcus by Goldman Sachs. They locked my account for " unverified transaction and change of address '' even though they had called me and confirmed that those transactions and address change are all safely made by myself. Because I have been traveling this year, I have changed my address associated with that account for XXXX  times, for each time I have provided identity verification. Earlier this month, I tried to buy treasury bills from Treasury direct using {$95000.00} from my Marcus account, they locked my account to disable me to transfer my money away and XXXX that transaction. 

An officer has called me at this time to verify my identity. He asked for and I gave my name, date of birth, SSN, all XXXX addresses I have used, and basically any information about me, all correct and he said I can call another number of them to unlock my account. But when I call the other officer, they insist that they can not verify my identity. Interestingly, according to them, the only ways they accept to use for verification is A. to give them a one-time passcode I receive from text, but they claimed that they " can't send the code to me because my phone number is not under my name '', which is not true because I have just confirmed with my phone number company XXXX XXXX  XXXX 
B. to give them my driver 's license information, which after I provided, they said " California driver 's license isn't a state that can be used for our process. '' I asked them to list which state 's they can use, they give a very short and vague list. 
C. XXXX wait for them to send me an email to set up a new " security question '', which they don't know how long it may take. 

I have a hundreds ways to prove I am me, which I have already done. And for all the " suspicious activity '' they said, I have explained clearly those are normal transaction I made. So I don't understand why they only accept the XXXX weirdly restricted ways for me to prove I am me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America froze the checking account my wife and I co-owned without notification, which caused multiple automatic payments being rejected and we had to pay unexpected interest charges to credit card companies. They also closed my wife 's credit card account without refunding the remaining credit on it. 

When we contacted the back to unfreeze the checking account, we were told that it was frozen because my wife did not reply to their mail asking for verification of personal information. We vaguely recall receiving a letter from the bank, but we suspected that it was scam and did not reply, because : XXXX ) It has a form asking for sensitive identification information, including the social security number. XXXX ) The return address did not match their usual corporate address. XXXX ) Online search results showed that there have been similar scam activities. There was no attempt from the bank to inform us that the accounts were frozen or closed. No emails and no phone call. 

After spending half an hour on the phone the checking account was unfrozen, but at this time, my wife 's credit account is still closed. We have yet to waste more time to get it reopened by calling another department. 

But that is not all. What upsets us more is what we found out later. A web search found this article published a few years ago on XXXX XXXX, titled " Hes been studying in the U.S. legally for XXXX  years. Bank of America froze his account anyway ''. Link below : XXXX XXXX XXXXXXXX It described a remarkably similar situation to what we've just encountered, in which Bank of America appeared to unlawfully and unfairly discriminating permanent residents who are citizens of another country. Apparently their practice is continuing despite the public backlash. 

After being a loyal customer of Bank of America for many years, we feel that this kind of treatment is completely unacceptable.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Take this complaint seriously, it is absolutely stressing me out and making me anxious on how could this happen. These companies pulled up my credit report without my authorization nor consent. I do not recognize these inquiries nor have applied for these.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Loan Under 34 C.F.R. Section 685.215 Dear CFPB I am writing to formally dispute the certification of my student loan under 34 C.F.R. Section 685.215, also known as the False Certification Discharge. I believe that my loan was certified under false pretenses, and as such, I am requesting that my loan be XXXX according to the provisions outlined in this regulation. 
Below are the details of the disputed loan : Loan Account Number : XXXX Date of Loan Certification : XX/XX/2006 School Name : XXXX  Reason for Dispute : According to 34 C.F.R. Section 685.215, a borrower is entitled to a discharge of their student loan if the school falsely certified their eligibility for the loan. I believe that my loan falls under this category for the following reasons : No knowledge of this loan I request that you investigate this matter promptly and provide me with written confirmation that the loan will be XXXX as per the regulations. If additional documentation or information is required, please notify me immediately. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have identified unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

NAVY FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management
State: LA

Complaint narrative:
Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from Plaza services LLC for me to fill out information and an letter with the Original Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that XXXX  XXXXXXXX XXXX XXXX is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that XXXXXXXX XXXX XXXX XXXX is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am asking the CFPB to address this complaint and do a through investigation of Portfolio Recovery and provide the Monetary Relief that is allowed under the FDCPA and the FCRA. 
Portfolio Recovery reports a Date of Removal to XXXX as XX/XX/XXXX but a different date to XXXX XXXX that is XX/XX/XXXX. 
Also. When disputing with the credit reporting agencies they have ILLEGALLY VERIFIED committing even more VIOLATIONS under both the FDCPA and FCRA. 
Portfolio Recovery has the audacity to send me a reply responding to my request under FCRA 623 ( A ) ( 8 ) ( E ) their letter dated XX/XX/XXXX for the Date of First Delinquency they have on file to prove different removal dates that they continue Illegally ti report differently to the credit reporting agencies that are clear RE-AGING violations. 
( Please See Screenshots Attached ). 
They use in haphazard fashion 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) illegally to avoid submitting the information I request such as the DOFD that they have on file to PROVE the true date this information will be removed from my credit report. 
They bought this account from XXXX XXXX  that was being reported by XXXX XXXX  as well. I disputed with XXXX XXXX  and it is no longer reporting on any of my credit reports. It was removed from all my credit reports after multiple disputes to XXXX. 
XXXX XXXX  was reporting a date of last payment as XX/XX/XXXX and it has been removed from all my credit reports. 
My question is how can Portfolio Recovery continue to report knowing or should know the account has been Re-Aged. 
But somehow Portfolio Recovery continues to report this RE-AGED account with a {$1900.00} Balance. Portfolio Rcovery # XXXX. 
reports DIFFERENTLY Date of Removal dates on XXXX XXXX and blatantly report a different date on XXXX. There is no DOUBT this account has been illegally RE-AGED and I want it removed by Portfolio Recovery because after multiple disputes with XXXX XXXX  they finally are not reporting this account ending in XXXX any longer and I want Portfolio Recovery to do the same. 
Again, I am asking the CFPB to forward me monetary relief after investigating this companies illegal violations under the FDCPA and the FCRA and have them remove this account : Portfolio Recovery # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Today, XX/XX/year>, I opened the XXXX  Rewards app, which is a credit card I have and I accidentally pressed a button that, without any confirmation screen, redeemed all my miles as cash on my account. I didn't want that. This terrible interface did not allow for accidents like that to have a confirmation screen or something that could prevent accidents like that. I contacted the company and they said they can not revert this back. Is an interface as misleading as that allowed? Is there any way to look into that and help me to revert the situation?

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I need help with some negative items on my report. I've already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed.

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 2024-08-09 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/XXXX, I brought my car to XXXX XXXX XXXX for an issue in my car. Prior to my visit, I was not informed that there would be a charge for the diagnostic service, and was simply expecting a breakdown of potential costs to fix it/examine it further. My car was left at the shop for approximately XXXX hours before the mechanic looked at it, despite no indication that there would be such a long wait time as I had an appointment. The mechanic inspected my vehicle for about XXXX minutes, identified the issue, and then informed me that the diagnostic fee was {$180.00}. 

I was not given any prior notification of this fee, nor was I provided with an estimate before the service was performed. As a result of the mechanics insistance, and my sole presence in the shop, I felt pressured to pay the fee, which I did using my Chase credit card.

I have since contacted the mechanic 's shop to dispute the charge, as I believe it was unfair to be charged without prior notice or consent. The shop refused to issue a refund or adjust the charge. I then contacted Chase to dispute the charge, explaining the lack of disclosure and the unsatisfactory service. However, the credit card company has also refused to take any action, stating there is nothing more they can do. 

I am a college student with limited financial resources, and this unexpected charge has placed a significant strain on my finances. I am seeking assistance from the CFPB to resolve this matter, as I believe I was unfairly charged and that both the mechanic 's shop and the credit card company have failed to provide adequate customer service. 

Key Details : - Date of Service : XX/XX/XXXX - Diagnostic Fee : {$180.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( located in XXXX, HI ) - Credit Card Company : Chase - **Actions Taken : ** Contacted the mechanic 's shop and credit card company to dispute the charge, both of whom refused to issue a refund or take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief