vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: MI

Complaint narrative:
I am a victim of Identity Theft through Transunion and I am submitting a claim due to the Consumer Civil Penalty Fund. 

The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act or Act ) establishes a Consumer Financial Civil Penalty Fund ( Civil Penalty Fund ) into which the Consumer Financial Protection Bureau ( Bureau ) must deposit any civil penalty it obtains against any person in any judicial or administrative action under Federal consumer financial laws. Under the Act, funds in the Civil Penalty Fund may be used for payments to the victims of activities for which civil penalties have been imposed under Federal consumer financial laws. In addition, to the extent that such victims can not be located or such payments are otherwise not practicable, the Bureau may use funds in the Civil Penalty Fund for the purpose of consumer education and financial literacy programs. This rule implements the relevant statutory provisions by articulating the Bureau 's interpretation of what kinds of payments to victims are appropriate and by establishing procedures for allocating funds for such payments to victims and for consumer education and financial literacy programs.

I have lost a lot during the years and have tried to fix this issue several times. I ask that I am put on the Civil Penalty Fund list for reimbursement for losses.

I have also been denied homes due to inaccuracies on my credit report. This has prevented me from being able to rent. I want to file an additional claim about the denial of renting due to these inaccuracies.

I ask that all collections and inaccuracies cease during the validation process.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have been disputing a few accounts that's on my credit profile that belongs to my father. The accounts Im about to list do not belong to me and i need them to be removed. I become aware of these accounts after starting the process for a home. 

XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts belong to my father not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was banking with Capital One and I deposited a check which was not in my name they told me that I need to verify that I had permission to deposit the check I gave them a phone number from the issuer of the check and from the name written on it but they said that they can still not verify it. Now my money has been locked for more than a full year with no resolution. The money they keep is even more than the amount of the problematic check!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Failure to communicate with me. I had no acknowledgement and not to my consistent that my credit report was being used or the falsifying of signatures was being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
At the end of XX/XX/, I went in bank to get in my safety Deposit box to take out some savings bonds. I was told that I could not get access because they are going through the abandoned boxes. I did say that I had my box for many years ( 25 years ) and paid for it every year. That was when I found they were discontinuing the safety deposit box at the end of year. I was allowed to go into box in about an hour latter. Everything seemed fine but the girl had trouble with the lock on my box. I told them that I would empty box in XXXX when my yearly rental would end. I went back in XX/XX/XXXX  and XXXX XXXX took my keys ( 2 ) and put in his pocket. I am not sure if he took the keys out of his pocket or it opened without my key, but he got in my box. I emptied it out and went home. I then discovered I Had 2 valuable antique diamond rings missing and XXXX old ( XXXX ) silver dollars missing out of XXXX silver dollars. I keep thinking it must be in there so I kept looking again and again and again. But no luck!!!!! I also had upcoming total XXXX XXXX in XXXX XXXX. I was also thinking about that. 
After my XXXX and XXXX, I spoke to XXXX XXXX XXXX XX/XX/XXXX ) at Santander customer service and she would start a case. On XX/XX/XXXX an XXXX XXXX XXXX ( XXXX ) called me to listen to my complaint that I thought someone had thought my box was abandoned and went through it and took my valuables. I asked them to look at the camera video of anyone going into my box. Cameras don't lie but people do. 

On XXXX I finally talked to XXXX XXXX and I was told that it was fully investigated and my case was closed. I asked about camera footage and did they see the footage of the girl having trouble with my key. No answer to that. I was told to hire a lawyer and get a subpena ( sp ). 

Totally shocked with response. I am XXXX XXXX, XXXX was using scare tactics to scam an elderly who has been patron of this bank for over 25 years. Either the bank does not have camera access or they are trying to hide the thieves that work in this bank. I hope you can help!!!!

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 2023-11-26 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
A fraudulent charge appeared on my credit card. 

I reported this to Goldman Sachs. 

They reversed the charges and said they would send information about the charges. 

I do not have any knowledge of the charges listed as IN * Student Mentorship for {$250.00} and XXXX, which were charged to my card on XX/XX/. I have never had any interaction with this vendor. I have not received any mentorship services from any vendor nor have I ever received services from any vendor providing student mentorship services. I dont believe IN * Student Mentorship are a real business. 

I contacted Goldman Sachs again on XX/XX/. I sent a letter on XX/XX/, which apparently did not reach Goldman Sachs. The Apple website lists an incorrect website for such disputes, apparently. 

So, I tried again. 

I asked Goldman Sachs for a file regarding the fraudulent charges made in reference to the dispute listed above. This is my fourth request for you to provide this information. To date I have not received any substantiation from you that a valid charge took place. 

I provided a fraud report to the FTC Report Number XXXX. 

Goldman Sachs ' case manager called on XX/XX/XXXX  to say that I needed to prove that I had not made these charges. 

If you XXXX : " In * student mentorship '' no results are presented. 
I have no emails, texts or phone calls from this merchant. 
I was told that I made these charges with my phone in person. 
My phone was never outside of my control on XX/XX/. 

I have asked for evidence that merchant has a valid account with my name, including : receipts, tracking numbers, or written interactions with the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX  - Mortgage being held by Mr. Cooper paid off. This is reflected on my login on the online website. Inquired when a lien release form would be mailed to me through instant chat on the website and was initially told that within 30 days I should receive that form. They instructed to call or chat with them if I had not received it within 30 days. 

XX/XX/XXXX  - I have not received the lien release form so I messaged Mr. Cooper through the website. Note, when I call the company, I am never able to get a real person. The phone call directs me to use instant chat on the website and hangs up. On my website login, there is no option to instant chat anymore. It has disappeared. Thus, I have no ability to communicate with a live person at Mr. Cooper about this issue. 

XX/XX/XXXX  - Mr. Cooper responds to my message and now states that lien release will be sent 60-90 days after mortgage payoff. 

XX/XX/23 to present day - Called Mr. Cooper multiple times attempting various phone calls to get accurate information about the lien release as I have been told two different timetables. On the phone, the automated recording now states that lien release forms are available within 3 to 9 months. 

The issue is that I have been told 3 drastically different timetables for receiving a lien release form. The most recent statement on the automated recording stating 3-9 months sounds excessively slow. I am unable to even communicate with a live person at Mr. Cooper and so am escalating this with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Over the summer I had went overseas and had my accountant take over my charges for the time being. When I had come back and went over my financials with my accountant, there were 4 fraudulent transaction and I called Chase to report these these transactions during the middle of XXXX of 2023. The transaction 's were on XX/XX/2023 for {$8200.00}, XX/XX/2023 for {$15000.00}, {$15000.00}, and {$11000.00}. My accountant never notified me of these transactions because he thought they were normal professional services that I had bought. Chase temporarily refunded my account for the time being until they called in XXXX asking for more information which I was more than willing to give. I included flight information and personal information that could help them in their investigation. On XX/XX/2023 they added the charges back to my account with no notification on email or phone call on what happened with the investigation. I have a cleaning company and these charges were for a health and wellness company, according to the person I talked to with Chase. I don't know how those two would relate in any way. I also changed my accounts with Chase so something like this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On my transunion credit report these unauthorized hard credit hit on my 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

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 2023-11-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete these items as possible as per 15 U.S. Code 1681 c-2

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On several occasion I have disputed the inaccurate XXXX  XXXX & XXXX bankruptcy listed on my Experian Credit report. I have also, requested Experian to provide me with documentation of how this information was verified and by whom. Experian has yet to provide any information. Most resent dispute was filed on XX/XX/XXXX. XX/XX/XXXXXXXX  I received a updated from Experian stating dispute has been verified by the XXXX and no changes has been made. A letter from the XXXX Court was obtained and submitted with the dispute stating, the XXXX do not report to the Credit Bureau or any consumer report company. Experian has denied and willfully ignored all of my request. This is a direct violation of the FCRA Consumer Rights and reporting.

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 2023-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car is with us auto sales. And the company close down for good. And they planning on taking my car even if I'm making payments

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 2023-11-26 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: FL

Complaint narrative:
I requested previously that the previous addresses on my account be removed. The issue has not been 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 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
A car was purchased in my name and the loan company was ally financial. I have made several called to ally financial and reported the fraud and they are now ruining my credit and life refusing to take the account out of my name for an XXXX dollar car. Ally finical told me to let the car be repossessed or trade it in and I will be responsible for the remainder.

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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am the executor of my brothers estate. On XX/XX/XXXX  the estate attorney told me I was entitled to a fiduciary fee in the sum of {$37000.00}. I wrote a check to myself from the estate checking account for that amount and deposited the check to my personal checking account at Bank of America ( BOA ) in person on XX/XX/. I was told by the teller at BOA that a hold would be placed on that deposit until XXXX XXXX  on XX/XX/2023 per BOA policy for large suspicious deposits. I assured the teller the estate check was good and would clear overnight. She said there was no way the hold could be lifted before XX/XX/. 
On XX/XX/XXXX  I went online and checked the estate checking account balance at XXXX XXXX . The online account confirmed that the check ( # XXXX ) had been paid and the funds withdrawn from the estate account on XX/XX/. 
On Tuesday, XX/XX/XXXX  I went to the BOA branch office on XXXX XXXX XXXXXXXX in XXXX, Ohio. I spoke with banker XXXX XXXX. I showed her a printout from the estate checking account showing that the check I deposited on XX/XX/XXXX had been paid and received by BOA ( see attached ). I asked her to lift the hold on the check for that reason. She said there were no exceptions to BOA hold policy and the funds would not be available until XXXX XXXX  on XX/XX/.

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 2023-11-26 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: DC

Complaint narrative:
I have been disputing a few accounts that's on my credit profile that belongs to my father. The accounts Im about to list do not belong to me and i need them to be removed. I become aware of these accounts after starting the process for a home. 

XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts belong to my father not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been disputing a few accounts that's on my credit profile that belongs to my father. The accounts Im about to list do not belong to me and i need them to be removed. I become aware of these accounts after starting the process for a home. 

XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts belong to my father not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized payments, specifically the consecutive months of XXXX XXXX, on my subsidized student loan I acquired was advised that I would be granted a financial plan to keep the loan paused during the time frame Ive listed above. 4 years later these payments are showing financial institutions that Im not worthy enough to start business & interact with them, let alone get forms of checking and saving accounts with them. due to FCRA laws protecting my credit profile, Im requesting the payments be validated across all three bureaus. Im also requesting to have the remarks listed on my credit removed & brought back into good standing. Thanks have a great week, 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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have automatic payment setup for Bank of America ( XXXX  XXXX ) credit card and I pay the balance due every month. 

Balance Due {$7800.00} XX/XX/XXXX  Payments and Other Credits- {$9700.00} XX/XX/XXXX  including automatic payment to Bank of America {$7800.00} XX/XX/. 

Overcharged {$1800.00} that represent credits received on the account on XX/XX/XXXX  and prior. 

Bank of American is getting a free loan in the amount of {$1800.00}. 
I called and was informed that credits are not counted against the balance due. 

All my other credit card accounts do not overcharge but correct the automatic payment amount for the credits to the account prior to due date.

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