vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened 2 CDs ( {$210000.00} total ) over the phone with Marcus by Goldman Sachs on XX/XX/22. On XX/XX/22 I tried to sign into my on line Marcus account but it was Temporarily Locked and I was directed to call them. I called them and was initially told there was a problem with my phone authorization and then was told there was a security issue. After talking with Marcus representatives I was informed my accounts were being closed and the funds immediately returned to my funding source. I called Marcus today ( XX/XX/22 ) to check on when the funds would be returned and was told my accounts were under review. My phone calls with Marcus have been very frustrating. I am XXXX XXXX XXXX and depend on these funds for living expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Credit Karma, LLC
State: CA

Complaint narrative:
XX/XX/2022 Received a debit card from Credit Karma that I did not request. 
When speaking to agents they asked for information to " find my account ''. I hung up and called a different number listed online, they asked for more personal information ( name, birthdate and email ) they stated they would close my account and send me a written notice stating they closed the account. When I called again and asked for the fraud department they stated they did not have a fraud department. 

I checked my credit report and noticed Credit Karma had done 2 soft inquiries on XX/XX/XXXX and XX/XX/XXXX both without my knowledge. I am still not certain whether this is a third party posing as Credit Karma, if this is a promotional service/offer from Credit Karma or if this is a case of identity deft. 

Materials sent are misleading and confusing, have not and will not be doing any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX  stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.

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 2022-07-13 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: FL

Complaint narrative:
On the last credit report ( which I have attached as an attachment ) which was sent to me it says that the XXXX XXXX XXXXXXXX account will be deleted 7 years from the date of last activity but on the credit report the date of last activity is missing. So, it can not be truly know when this account should be deleted as information is missing. The Fair credit reporting Act ( which I have attached a copy of ) said that if information on a credit report is incomplete, in accurate or unverifiable then such an account should be deleted from the persons credit report. This account is incomplete as it is missing crucial information and lacks the date of last activity. This date is crucial in determining when the account should fall off the credit report. 
Kindly delete XXXX XXXXXXXX XXXX from my credit report as it is incomplete. The date of last activity is the date that the last payment was made before the account alledgedly went into a charged off status. Additional violations are noted in the letter which I have attached. These violations are noted in the letter and highlighted on the copy of the Fair Credit Reporting Act which I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : 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

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 2022-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB I need help regarding this inaccuracies on my credit report. I need to have this account corrected as soon as posible for it is hurting my credit.

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 2022-07-13 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: Synovus Bank
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
After repeated efforts to resolve this matter, absolute refusal to adjust this account to show no missed payments. Now a repayment plan will not be honored. Theres something severely wrong with this company. How can you cash checks and then say they were returned to me, sounds like a case of embezzlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
Ive noticed unauthorized accounts on my credit reports

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 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: GA

Complaint narrative:
This complaint is not a duplicate. It is in reference to a previous complaint against Gateway Mortgage ( XXXX ). XXXX XXXX ' letter contained false and misleading statements and the case was closed based off of his letter. I am attaching my written complaint along with physical evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022 a counterfeit check was presented to my account in the amount of {$4900.00}. I notified Chase Bank that the item was not mine. The check was returned unpaid The same day I closed the account and was told that I would be mailed a check for {$4900.00} since I did not want to reopen an account at Chase. 

No check was sent. On XXXX I contacted Chase Bank again and was told that this was being escalated to management and a letter would be sent with instructions on how to pick up a cashiers check at any branch. 

XX/XX/2022 I went back to the branch and was told that a check was in the mail. 

XX/XX/2022 Went back to the branch and was told again that it was being escalated to management and a XXXX tracking number would be provided so that I could track the check in question. 

To this date no check or tracking number has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
the Bankruptcy that is showing cleary has the wrong address that is my address that is not mine ad need to be 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 explanation
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX has failed to comply with my cease and desist and now Transunion is now in compliance with their attempt to collect a debt by means of fraud and extortion. Cease and desist explains the steps necessary to prevent any further action from being taken. This account needs to be removed from my account immediately being that the company did not provide me VALIDATION. VALIDATION IS AS FOLLOWS : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

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 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Homeowner posted his house for rent on XXXX. He gave a very convincing report about himself, his family, and circumstances for not going through a property management company. He told me I couldnt have a look inside the house because current tenants didnt want to be bothered but I could explore the outside of the home. I went around the neighborhood and multiple neighbors confirmed his identity as the owner. We went back and forth for a week by email and I asked him to video chat to confirm his identity but due to family circumstances, he could only call me to provide me information on the rental. He said his lawyer would meet me with the key once I had paid security deposit but could hold off on first months rent until prior to XXXX. We signed a lease and I paid security deposit to his accountant XXXX XXXX via XXXX. He asked me for first months rent a month prior to the lease date stating his later insisted I pay prior to move in based on the contract. I explained to him about our agreement over the phone and he agreed to hold off on first months rent until prior to move in. At the end of XXXX, I tried sending money to his accountant but it errored so I reached out. He said there was an issue with the account and to send the money to his secretary XXXX XXXX, so I did. He gave me a phone number to reach him. I called in the evening but it didnt have a voicemail so it kept ringing. On my last payment date, he asked me to send an extra {$1000.00} for small repairs on the house and I declined stating that he could use the security deposit I paid last month. I never heard from him after that despite multiple attempts to call and email. I called the initial number he called me from and the number he gave me. The number he provided goes to a design company that doesnt have anyone by XXXX XXXX working there. The initial number rings until it goes to voicemail with no identifier. 

Fraudulent rental : Security deposit sent ( {$2500.00} ) via XXXX through Citizens Bank app : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} First months rent : XX/XX/XXXX- {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} On XX/XX/22, I called my bank and they told me they couldnt do anything because the payments had already processed. They were not able to give me any other information about the recipient except names despite telling them it was fraudulent and I was going to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from 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 2022-07-13 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 with my written instructions.

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 2022-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXXXXXX XXXX XXXX  Original creditor XXXX XXXX  Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CA

Complaint narrative:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX  Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.

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 2022-07-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive noticed unauthorized accounts on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
Ive noticed unauthorized accounts on my credit reports

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 2022-07-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXAcc # XXXX XXXXAcc # XXXXXXXX XXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXX XXXX-Acc # XXXXXXXX XXXX XXXX-Acc # XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions

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