vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
My apple card with Goldman Sachs and my savings account have been restricted. I have reach out to them multiple times since Friday XX/XX/2023. I ask for a reason for my account restriction and they told me is under review and that the team is taking a look at it that they will be reaching out in 24hrs. Now today is XX/XX/2023 and they now restricted my savings account and still no one can answer why my hard earned money in restricted from me. They said I can't speak to review team and that their manager will tell me the same thing. It's currently my primary card and my primary saving incase of emergencies. I would like this to be resolve as soon as possible. I am now at the mercy of them calling me back. I noticed other people have this issues too including not hearing back in months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has stated that I had an account XXXX. I believe that this account has been fraudulently opened using my personal information without my consent. I have never had any dealings with this company. I disputed the charges due to this not being my account and the company stated that this account belongs to me. I haven't signed any documents from/for this company. I have not opened an account with XXXX XXXX The company states that I owe {$3200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
2013 XXXX proceedings ex took out a 2nd mortgage against the standing orders. I ended up selling the home and paying off his 2nd mortgage he took out. Iwas unaware of this. So unfair and wrong.

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 2023-06-20 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: CITIBANK, N.A.
State: WI

Complaint narrative:
My wife and I rented a Property XXXX XXXX in XXXX XXXX, FL through XXXX for XX/XX/XXXX through XXXX XXXX, XXXX. We used our Citibank Credit Card to make a payment of {$1000.00} on XX/XX/XXXX. We used the same card to make a payment of {$870.00} on XX/XX/XXXX for a total payment of {$1900.00}. When we arrived at the property at the property on XX/XX/XXXX, we found that the owner had grossly misrepresented his property claiming it was right on the beach when in fact you could not even see the beach from his property. As soon as we arrived, we contacted XXXX to voice our displeasure and were told that we had to contact the property owner and work with him to get our money refunded. We tried to contact the owner numerous times and finally spoke with him around XXXX XXXX We told him of our displeasure and that we felt he had fraudulently listed his property as something it wasn't. He told us that if we stayed overnight, he would meet us at XXXX XXXX the next morning and consider giving us a partial refund. Given that we had no other place to stay, we agreed. On XX/XX/XXXX, he did not show up. I reached him by phone later that day and he stated that he was very busy and did not know when he would be able to meet us. After that phone call, my wife and I decided to leave his property and drive north to see if we could find another property to stay at. We also filed a dispute with Citibank for the second payment of XXXX because it was still within the 60 day timeline in which to file a dispute. We knew that we had already forfeited the {$1000.00} we paid in XXXX, XXXX. In addition we filed a complaint with the XXXX XXXX XXXX  against XXXX because they advertise a Booking with Confidence guarantee and we felt they had not properly vetted this property listing or the owner. On XX/XX/XXXX XXXX refunded the XXXX fee that they charge for using the service. This was not a partial refund from the owner. I am attaching various documents detailing the correspondences we have had with the Citibank dispute center. 

We have jumped through every hoop they have asked us to jump through and provided the necessary paperwork they requested and yet still they are not doing anything about this fraudulent charge. As a last resort we are contacting you in the hopes that we will be able to get this resolved.

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 2023-06-20 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( NAVIENT ACCT # XXXX SSN XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clarify states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TN

Complaint narrative:
I have provided TransUnion will all requested documents for my identity theft case and unlike the other 2 credit bureaus they continue to refuse to remove fraudulent information from my credit report. File number XXXX. I have provided an FTC identity theft report, a police report and all identity verification documents that are required. XXXX and XXXX complied with the requests but XXXXU is refusing to do so. 
TransUnion is in violation of the Fair Credit Reporting Act in continuing to not remove fraudulent accounts and inquiries from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 
As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. 
If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 
Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. 
I will be seeking these damages against TransUnion if this fraudulent information is not removed from my credit report 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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2023 at the Bank of America branch located at XXXX XXXX XXXX, XXXX, NC XXXX, I made a CASH deposit of {$9500.00}. The amount credited to my account was {$5900.00}. The teller whom I made the transaction with acted very strangely during the transaction. The receipt I received was very pale and I couldn't make it out. I verified verbally with the teller the deposit amount. 
At the time I was traveling and moving to another state ( solo ) and was out of my normal element, routine. I have health issues that effect my near sight. Add to that, it is very difficult to find certain transactions with the online banking app ( inability to view transactions by type so I can easily verify deposits, its like searching for a needle in a hay stack ). I didnt realize what had happened until the next month. 
The bank is unwilling to look into this beyond an accounting error. Their accounts add up because this was not an accounting error. I was tricked and cheated by the teller. Their security footage will show this. They refuse to investigate or do anything beyond the accounting check. I want the bank to correct this situation and return my money.

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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I first noticed the account on my credit in XXXX of 2022 but I originally assumed it was somehow connected to my XXXX  account for an un returned modem that Id been meaning to send back when I had the time. ( Similar to how XXXX XXXX  and XXXX paired together ) But once I called to verify the problem I realized it was an entirely different service and account connected to an address Ive never even lived at.

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 2023-06-20 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: WA

Complaint narrative:
Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXXXXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: WA

Complaint narrative:
Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX? XXXXXXXX  please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened a Certificate of Deposit with Marcus by Goldman Sachs for a 10-month term. The promotional rate when I opened the CD was 5.05 %. About seven days later, the rate dropped on the account to 4.75 %. When I called to ask, the representative stated she was told to read a script, stating something along the lines of Marcus provides the best rate over a 10-day period and the rate is affected by the Federal Reserve . 

The Fed did not adjust interest rates over this period. Additionally, Marcus did not adequately disclose to me the possibility that the rate would drop, and certainly not by more than a quarter of a percentage. This action went against my expectations as a consumer, the representative from Marcus could not remediate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance XXXX XXXX  Monthly payment - Additional XXXX XXXX XXXX Account XXXX XXXX Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-06-21 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: WI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have an auto loan through BMO Harris Bank. I moved out of state and to register my car permanently in the state I need a copy of the title sent from the bank to the DMV. I have now called BMO more then 7 times and made 5 trips to the DMV. I was given misleading and factually incorrect information by BMO Harris such as the following : XXXX ) I do not need a title to register my car XXXX ) I can take a PDF of the title in and get my registration XXXX ) That the title was sent when it was not XXXX ) I was given the incorrect fax number to send the request form XXXX ) I was told that BMO does not have a fax line XXXX ) That BMO could not provide a copy of the title until the loan is paid off. 

After roughly a month of back and forth BMO is now confirming that my most recent request from XX/XX/XXXX has been received, but as of today, 8 business days later, no progress has been made on sending it. BMO also has no record of other requests from XX/XX/XXXX or XX/XX/XXXX. The DMV made it clear that all requests should be processed in 5 business days. The DMV told me at this point I should consider contacting my lawyer about this issue. 

Due to these numerous delays and incorrect information my registration has expired and I had to rent a {$610.00} rental car to make a personal trip at the end of this month.

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