vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am here submitting a complaint against 'Marcus by Goldman Sachs XXXX in potential fraud that it attempted to perpetrate against me ( and my XXXX brothers who received the same mailing ) with regards to benefits purported to be available and owed to us as a result of my father 's death. I am a grieving widow and daughter -- having lost both my father and my husband in the same XXXX XXXX XXXX in XX/XX/2022. A few days ago my self and my two brothers each received a XXXX priority mailing from Goldman Sachs Bank. Although the material purported to be sent to me as a " named beneficiary for a deposit account '', the name of the deceased was not included in the paperwork nor was there any specific information included about said account. The lengthy document did however include requests for a substantial amount of personal information, with the mailing also including a pre-paid envelop -- all very official appearing. Several calls placed to Goldman Sachs in order to verify the mailing were met with obfuscation ( in one instance ) and finally ( in a second call ) a concession that my father 's Goldman Sachs account had been closed and, for some reason, still held {$3.00}. 

I want to know from Goldman Sachs : Why did they contact us if my father 's account was already closed? Further, I want Goldman Sachs to explain why the following personal information was demanded of me in its mailing to me as a supposed beneficiary of an account ( which was in fact not the case since the account was closed ) : -- My father 's death certificate -- My completed XXXX including my social security number -- My date of birth, address, and full legal name -- A notarized copy of my state/US government identity card -- Verification of my willingness to undergo a background check In addition to my receiving a XXXX share of {$3.00}, what use did Goldman Sachs have planned for my personal information? And finally, I want Goldman Sachs to provide a response to how it planned to safeguard my personal information? I am astonished, quite frankly, by the blatant attempt by an apparently legitimate company ( Goldman Sachs ) to extract my personal information and that of my deceased father. I can't help but suspect that Goldman Sachs is engaged in data harvesting, which could leave me vulnerable to identity theft. In submitting this complaint, I want to force Goldman Sachs to explain itself in order to safeguard other vulnerable Americans. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
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 - all accounts you post on credit report. Otherwise. anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

COMPANY 'S NAME : XXXXXXXX XXXX XXXX  UNVERIFLED ACCOUNT : XXXX XXXX XXXX SERVICE ACCOUNT 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 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
I have requested PMI be dropped numerous times and citizens bank refuses. My original loan was for {$290000.00} and now I owe about {$220000.00} which is about $ XXXX lower than the automatic cutoff of PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
M & T Bank holds my loan for my house at. This was a VA loan that I assumed from the old owner, assumed approximately XX/XX/XXXX. Regarding property insurance, my spouse and co-owner submitted our proof of insurance from farmers at least 3 times to M & T Bank, this was a condition of assuming the loan. The old owners held their insurance through XXXX, apparently their policy wasn't formally cancelled until XX/XX/XXXX, after XXXX sent a bill to M & T for insurance for the following year totaling approximately {$3600.00}. M & T paid the XXXX bill without verifying the names currently attached to the loan. 
This could have been an employee or a computer error. Through phone calls first to procure my first mortgage statement M & T had put the old owners new address down as my mailing address along with a there phone number, it took several phone calls and reentries to get this straightened out, if it is straightened out. There were letters and bills that were apparently sent out but the went to the wrong address. Under an assumption with M & T bank there is no capability of adding online access to the new home loan owner. Additionally the employees I have spoken to over the phone are not authorized to send pertaining documents to me. 
M & T did their own escrow analysis and increased my monthly mortgage by approx. {$300.00} a month to cover the Mortgage. I have ordered a new escrow analysis twice, several employees have confirmed what I described is what happened. M & T has provided me with the old owners XXXX policy number and advised me to contact them, explain the situation and once a refund is issued a new escrow analysis can be performed and in two or three months the payment will revert back to the original value. M & T is not authorized to contact XXXX themselves. However XXXX can not issue a refund to me for the old owners policy number because I am not listed on that policy. I paid the incorrect amount in for XXXX because I was afraid of going into delinquency. After being promised I wouldn't be held responsible for late fees or reported to the credit bureaus if I withheld payment until this was resolved I received a letter dated XX/XX/XXXX stating they were correct to report me. I then paid XXXX bill in the correct amount that they state is {$300.00} short.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 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 In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX 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 without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINCL {$21000.00} Requesting to remove the account 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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX someone stole my debit card information and used it to buy several day passes to a fair in XXXX XXXX Massachusetts. I was on a flight from AZ to WA at the time the transaction happened without access to the internet so it could not have been me. Also, why would I buy day passes to a fair on the other side of the country? It makes no sense. I filed a claim with my bank, canceled my compromised card and change my account information to prevent this from happening again. Chime ( the bank I am using ) gave me a credit for the amount that was stole from me for {$200.00} three days later on XX/XX/XXXX. On XX/XX/XXXX I was informed that Chime had done an investigation on the claim and found " no error occurred '' so they denied my claim. When I called them to ask why they denied my claim and what I can do to appeal, I was told no one could tell me the reason they denied my claim. They said they can send me the " evidence '' they used to come to this conclusion in 10 days. After they have already removed the money from my account. When I asked to speak with the investigation team I was told I could not do that. No one reached out to me during the investigation process either. I am the epicenter of the entire issue and no one from my bank has spoken to me. I was told I could appeal the claim and provide evidence I was not the person who made this purchase. I sent them screenshots of my plane ticket that clearly show the flight times proving I was in the air at the time the card was used. I also had to contact the merchant because they did not. I got a copy of the transaction and sent that to them as well where you can clearly see the phone number and email address are not mine nor have they ever been registered to me. I also filed a complain with the cyber crimes division of the FBI for the crime committed against me and sent a copy of that to them as well. They denied my claim three times yesterday even after being provided with this evidence and they still have not given me a reason as to why. They will be removing this credit of {$200.00} from my account on XX/XX/XXXX despite still not giving me a reason why. The worst part is no one at the company is even willing to speak or discuss this with me. All they tell you is " I don't work in the investigations department so I don't know. '' But they don't let you talk to the investigation department or ANYONE at the company that could help explain why this is happening. I am not the first person this has happened to either. There are hundreds if not thousands of these exact stories online of Chime denying claims with clear and precise evidence to prove someone else used their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I had 17 loans with Affirm totaling {$5500.00}. On XX/XX/2022 I made payments in full on all 17 loans. My balance on all 17 loans is now {$0.00}. I am trying to close my account with Affirm so that I do not acquire more loans. Affirm is not allowing me to close account. Methods I have tried to close account ( 1 ) solution : calling Affirm customer service at XXXX outcome : Affirm says I need to wait 30 days to close account ( 2 ) solution : contacting Affirm at help XXXX XXXX per their website to close account. outcome : reply from Affirm that they are not monitoring this inbox. ( 3 ) solution : contacting Affirm via online form on their website to close account. outcome : no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On or about XXXX XXXX I received an email from Bank of America stating my mother ( XXXX XXXX XXXX and myself has " suspected debit card fraud '' on our account. The bank was thus withdrawing {$5000.00} from her account to " hold ''. I have tried daily since then to get an answer from the bank. My concern is that they STOLE {$5000.00} from the account and said they were holding it pending " further investigation ''. I went tot he local branch on XXXX XXXX. XXXX, XXXX  and spoke to the branch manager who informed me he didn't have any information but the money would be returned in 30 days. I expressed my concern and asked if I could at least know the source of the " fraud '' and he said he had no information. II told him it made no sense that they could just take {$5000.00} and not even communicate with me under the guise of " protection '' but her other monies are " unprotected ''. To which the branch manager said there was nothing he could do but " monitor the situation ''. He promised to call me the next day and never did. My mother as of today is XXXX XXXX XXXX and recovering from XXXX XXXX. She has not used her debit card and I have only an ATM card. Neither of us made a {$5000.00} purchase or authorization. Prior to going into the hospital she wrote herself a check for {$10000.00} which she cashed on or about XXXX XXXX. I too have withdwawn that amount on her behalf several times and I must say they always treat me as a poor XXXX woman who is there to steal. I spent over two hours one day just to cash a check for {$13000.00}. They looked at me and treated me like I had no business with that kind of money. They kept sending me from one person to the next, each one ensuring I was facing a camera until finally out of frustration I deposited the check and withdrew XXXX out of the account. This is not the first time this branch and bank has been XXXX XXXX me and my mother. and I believe they are now taking advantage of this elderly XXXX woman and think she is too slow to recognize that they have stolen {$5000.00} from her account and given themselves 30 days to pay it back. I don't see how this is ethical or legal.

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 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I started receiving calls from AFFIRM saying tha i was behind in a payment, I told them in several ocasion that I dont have a loan with them, that this acocunt does not belong to me. They continue with phone calls and then XXXX said that a account has been added to my credit report. I have disputed the account with experian in several ocasions and not being successful, becuase AFFIRM is comfiring that that account belong to me. AFFIRM told me to create an account online to see which vendor they sent the money becuase they refuse to tell me over the phone, I did and I saw a company named XXXX that supposibly I bought a XXXX XXXX from and that was the loan was for. I have asked in many ocasions to AFFIRM to show me where the product was sent or any conformation of purchase and delivery, I never received anything. I have sent and affivit of identity theafth provided by AFFIRM, copy of y Califonria ID and a fraud report that I filed, in which I explained and confirmed that this account does not belong to me. My credit score has decline because this acocunts shows over 60 days past due and I had one of my credit cards reducing my credit limit as a result of my score. I need help on removing this from my credit. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a complaint to the CFPB in regards to Resurgent Receivables LLC reporting an account on my Credit report that has not been validated. It was stated by XXXX of their Compliance Department, that they will continue to report this negative account on my credit report. I am demanding they cease and desist communication with with through any and all mediums, this includes the credit reporting agencies. This company is continually harassing me by reporting this information to which they have no permissible purpose. I have not consented to contract with this company and they are attempting to force me to. This behavior of preying on consumers needs to stop. I will be filing suit for damages. This company has my personal information and I have a right to privacy that has been violated. Resurgent Receivables LLC along with XXXX XXXX XXXX and both complicit in identity theft, fraud and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Identity stolen and XXXX account was created by someone I dont know and at an address I am unfamiliar with. This is hindering my ability to close on a loan and Im a victim not delinquent consumer

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 2022-11-04 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: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE 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 2022-11-04 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 — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/2022, I received email and phone calls from Ally Bank that they suspected my debit XXXX had been fraudulentlycharged. The five charges were : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX {$220.00} All were shown as Pending. 

I called Ally Bank on XX/XX/2022 and told them " do not pay - the debitcharges are fraudulent ''. They cancelled that debit card and sent me a new one. 

About two weeks later I reviewed my checking account and found that the fraudulent charges had been paid. I called Ally Bank and complained. I answered their questions and they said that I would receive a letter in ten days. I still have not received a letter nor has the {$440.00} been returned to my account.

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 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
In order to qualify for the expanded public service loan forgiveness law, I consolidated to a direct loan servicer. I consolidated to a direct loan with Mohela. Consolidation was complete in XX/XX/2022. I also sent in a PSLF application in XX/XX/2022 to be considered for forgiveness after consolidation was complete. The application has been processed, yet according to MOHELA I have XXXX qualifying payments. 

I called my previous loan servicer, XXXX, and they told me that my entire payment history was sent over to Mohela at the time of consolidation with Mohela. However, Mohela account shows that I have no qualifying payments. I have been paying my student loan for over 20 years, on time, each and every month. In fact I have paid at least a month in advance. There is no doubt I would meet the 120 qualifying payments to fulfill the PSLF criteria but it seems like Mohela will not credit me with my payment history. This was the whole point to consolidate with Mohela, to be eligible for forgiveness. 

I have called and called Mohela just to be sent on an endless loop of automated information at the end of which the call just hangs up. I was able to get through to wait for a representative only to hold for over two hours to speak with someone, who while was nice could not help me. She transferred me to a supervisor. I waited an additional 4 and a half hours but no supervisor ever materialized. I spent over seven hours in the phone with absolutely no help. I have also sent messages through my online account. No response. 

It seems that Mohela has a vested interest in not providing forgiveness, as evidenced by their recent action is Missouri to stop the other forgiveness law. But Mohela should be accountable to those loans they service and if I meet the eligibility requirements I should be given loan forgiveness. Again the only reason I consolidated with Mohela was for the purpose of PSLF law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was informed via email on the evening of XXXX XXXX by discover card that my account has been closed as they were not able to verify my personal information as it looks like they sent me the form and they did not receive it. I already sent and signed all the form which I was asked and sent it to them right after I was asked on XXXX XXXX. I have confirmation for XXXX XXXX where I signed the form and sent it to back and was told all parties have been informed.

Company response to consumer: Closed with explanation