vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On the morning of XX/XX/2023, I was at work and I received a text at around XXXXXXXX XXXX  from Chase Bank stating that I had added a person by the name of XXXX to my XXXX recipients. I did not add that myself. Somehow somebody either hacked my email or my cell phone and added themselves. I immediately logged into my online banking and noticed that my account was being deducted in small transactions. After noticing that the transactions were not stopping I attempted to call Chase and freeze my account, I was on hold, so I hopped into my work van and raced to my local branch, luckily it was close. I arrived at the Chase Bank and immediately flagged down a banker and had my account Frozen. Not before there was {$3000.00} stolen from my account. If I had not raced the bank I believe that my entire account would have been completely drained. There were a total of 21 transactions ranging from between XXXX and {$190.00} that we're all deducted from my XXXX in a matter of less than 30 minutes, none of which I made myself. After filing a fraud claim with Chase, my claim was denied, Chase stated that all the transactions came from my device which is absolutely not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear CFPB team, I am writing to express my complaint and dissatisfaction regarding Marcus by Goldman Sachs Savings Account Service. On XX/XX/XXXX, they locked my savings account and asked me provide an affidavit, I did go to an XXXX for the notary and sent back the affidavit to them, but they never let me know that they never receive my letter and didn't ask me to resend one. On XX/XX/XXXX, they forcibly closed my savings account. I called them for more information as I still have about {$25000.00} in that account, and I asked them send back the money to my original bank, XXXX XXXX  XXXX, account ending in XXXX, they initially claimed that they would transfer the balance within 1-3 business days. However, it has now been over 10 business days, and I have not received any refund. I have attempted to contact Goldman Sachs 's customer service multiple times, but unfortunately, I have not received any clear responses regarding my issue. No matter how many times I call, no one is willing to address or provide a detailed explanation, and some even threatened me that I already lost my money because my account is closed, if my XXXX XXXX XXXX account can not receive it, the money can't be returned to the closed Marcus account, and then I will just lose the money, which has left me feeling extremely disappointed and confused. 

As a customer of Goldman Sachs Bank, I have placed trust and reliance in their services, but this recent experience has left me highly dissatisfied. I hope that you can assist me in resolving this matter and ensure the safe return of my funds to my XXXX XXXX XXXXXXXX account. 

I can provide any other information if you need, such as my driver 's license, passport, etc. 

Once again, thank you and hope you can help me with this case! 

Thank you!. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: AZ

Complaint narrative:
ATM charged my XXXX but didn't give me any money on XX/XX/XXXX I believe. The clerk at store told me it would go back to my account in 12-24 hours and NEVER DID. filed a dispute with my bank ( Found Bank ). Took them several days to respond. They tell me the won't even acknowledge or begin an investigation until i first contact the merchant to resolve the error and then give them ( found bank ) proof I had done do. THIS IS ILLEGAL. REGULATIONS SAY THEY CAN NOT REQUIRE CUSTOMERS DO THIS. I had already done it anyway but that's irrelevant it's still illegal. The the tell my they don't give out provisional credit. But then say if the ATM operator doesn't respond after 30 days they will. AGAIN ILLEGAL. THE LAW SAYS AFTER 10 DAYS THEY MUST PROVISIONALLY CREDIT THE AMOUNT DISPUTED IF THEY STILL REQUIRE MORE TIME TO COMPLETE THEIR INVESTIGATION. 

I NEED THE MONEY BACK THAT WAS STOLEN BY THE ATM. I HAD TO TAKE MONEY FROM MY RENT TO PAY MY CAR, AND THEN INCUR LATE FEES COMING UP WITH THE {$200.00} I WAS THEN SHORT FOR RENT. 

THIS IS BS. ILLEGAL. AND I WANT THEM PUT IN THEIR PLACE. IF THEY ARENT GOING TO FOLLOW THE LAW CLOSE THEM DOWN. PUT THEM OUT OF BUSINESS. I AM SUFFERING ADDITINAL FINANCIAL HARM BECAUSE OF THEIR REFUSAL TO FOLLOW CONSUMER PROTECTION LAWS AND REGULATIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, XXXX, and Transunion are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, Equifax, XXXX, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, Experian, and XXXX are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.

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 2023-09-07 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: NY

Complaint narrative:
I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
In 2021 my vehicle which was older, stopped working, unable to fix it. I received loan and title for vehicle was collateral. 
One Main first told me I had to get a type of insurance added to loan to receive it. I was approved for loan of XXXX. After this insurance was added it went up to a {$10000.00} amt. I paid my payments each month until my vehicle messed up. My parents gave me their old vehicle so I went in to office to switch the title to still complete loan. They would not change vehicles on loan and would not give me my title back to original vehicle. They stated because it had someone else on title along with myself that they couldn't. I even had the 2nd person on title sign statement stating he authorized the car title to be added to.loan to continue with loan. OneMain would NOT let it happen and therefore, I'm now stuck with broken vehicle with no title and unable to sell it for parts or anything else. I have witnesses who can vouch for vehicle current state. Covid hit and I became unemployed and wasn't able to make payments for a loan which vehicle that was inoperable. One main would not help me, work with me on payment assistance, nothing. They sent my loan to collections for nonpayment now and continue to avoid helping me or taking my calls. I'm stuck with a debt t hat I tried to resolve and get help with. I even tried asking to gave them take this insurance of some sort off to lower amount while I was struggling to make ends meet. I am a divorced single parent now of XXXX and I'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After requesting deletion of inquiries on my credit report due to Identity Theft, TransUnion refused and responded to my inquiry removal request with a generalized response stating that inquiries are factual information. At the time of the inquiry removal request I submitted proof of identity theft. I am exercising my consumer right to have inaccurate and unauthorized information removed from my credit report. The inquiries are as follows : XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Section 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. These unauthorized inquiries must be removed immediately as they are fraudulent. I will take legal action. To my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Contacted experian and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete experian refuses to remove all old addresses phone numbers from my consumer 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 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, via recurring scheduled transactions through my credit union 's online bill pay service, a check for {$210.00} was sent to Upstart utilizing the information known to me at the time ( which is the same information used for the last 2 years on the loan ). On XXXX XXXX, I received a payment reminder for this loan. This was not unusual. On XXXX XXXX, I received notification that Upstart had not received the payment. Upon further investigation, the payment information was changed without notification by Upstart, causing the original check issued by my credit union 's bill pay service to be lost. I received no letters or emails indicating a servicing change. 

Repeated phone calls amounted to " It doesn't matter. Get us the check, or we'll start charging late fees and report it to the credit bureau. '' The email they sent me tells me that they do not have to give me notice of address change. 

At this time, Upstart is threatening late charges as a result of this and refusing to work with me to correct the situation. 

Upstart has violated section 13 of their promissory note : Upstart will also give me notice if I pay by check and the transfer changes the address to which I must make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XXXX {$1900.00} was taken out of my navy Federal  account the merchant was neighborhood XXXX in XXXX XXXX XXXX when I noticed the charge I called my bank to dispute the charge a provisional credit was given to me then taken back on XXXX I don't know who made this transaction and I reported it in good faith now the money was taken back from me and my account is in the negative which has never happend as long as I've been a customer I am now reporting this fraudulent transaction and reporting my bank because they are basically holding me responsible for a transaction that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wish to bring into your attention an error or wrong reporting by Experian Credit Report. 
I use to have Public record on my Credit report until XXXX, 2023 but then, It was found out that Public record was for a debt that I never owed and I paid off my other Collections too. 
My Credit has been improved, and am doing my payments on time mostly and there is no negative record on my account for now. Even Experian is emailing me daily, telling me that my score has improved and offering me various Credit Cards and loan promotions. 
But when I actually applied for a loan, Experian reported back to agency that my Credit report has derogatory information and there is nothing negative on my Credit report as I keep on checking every week from XXXX. 
As per experian, my score is XXXX which is kind of good score, then how come they reported derogatory information and if it is going to stay the same, what is the advantage of paying all the collections and having clean record. 
I checked with XXXX too and there is nothing negative on my Credit for now. Then how come Experian is not letting me get a loan. Is it going to keep impacting me my whole life despite of having improved Credit Score.

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 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
XXXX XXXX and XXXX which is now known as Tromberg , Morris & Poulin , PLLC engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what XXXX XXXX XXXX does but in this regard in conjunction with XXXX XXXX and XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is regarding 4 disputed charges from XXXX. On XX/XX/2023, XXXX XXXX, from XXXX confirmed via email my credit card on file was updated to my XXXX XXXX. Prior to this email, my Capital One card was on file for the company to charge. At this point, I remove authorization to charge the Capital One by replacing the card on file with the XXXX. XXXX was successfully charging my XXXX. 

On XX/XX/XXXX, I contacted XXXX via email notifying them to cancel my account and revoking all authorization to charge my credit card. On XX/XX/XXXX, XXXX XXXX from XXXX acknowledged my cancellation email. 

On XX/XX/XXXX, XXXX charged {$550.00} to my Capital One credit card. After my written notice revoking authorization to do so. 

I contacted Capital One, they successfully disputed the charges. I received the appropriate credit. 

On XX/XX/XXXX, XXXX charged my credit card again. Same amount. I provided the same documentation and Capital One closed my claim. I called them and pointed out in the documentation where I removed this card off file and it was confirm. I also provided receipt showing there XXXX was charging my XXXX card. 

Capital One has handled this incorrectly and I need intervention

Company response to consumer: Closed with explanation