vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
For the past 45 ( forty five ) days, I have been contacting Marcus daily regarding my XXXX XXXX Savings Account, attempting to have it unlocked and to update my phone number to XXXX, but with no success. Despite making over XXXX calls in this period, my account remains locked, and my phone number has not been updated. I am unable to access my account, which holds {$62000.00} that I critically need. Every time I call, I fully authenticate myself with my passphrase, name, DOB, and SSN, and speak to two different representatives, including supervisors, yet there is no resolution in sight. Over the last month and a half, I have authenticated myself on every call and sent an Affidavit of Identity via XXXX XXXX, duly signed in front of a notary on XX/XX/year> which is received by GS Marcus bank on XXXX XXXX. I urgently request your assistance in gaining access to my account and updating the associated phone number so I can access the funds crucial for my survival. 

Full story : I have a XXXX  XXXX  Savings Account ( HYSA ) with Marcus and requested to update my phone number on XX/XX/year>. Over the next 10 days, I made more than XXXX calls to Marcus representatives, who informed me they couldn't update the number and had put my account on hold ( locked ). On XX/XX/year>, they asked me to send a notarized Affidavit of Identity to their XXXX  address. I sent the affidavit via XXXX  XXXX, which XXXX received on XX/XX/year>. Since then, I have called them every day and received different timelines for removing the hold and updating the phone number on my account. A case number for identity verification ( Case # XXXX ) was created on XX/XX/year>, and I was initially told this issue would be resolved by XX/XX/year>. However, there has been no update or action from GS Marcus Bank. 
I have also noticed that these issues are widespread, and many people are suffering from their incompetence in locking consumer accounts, as discussed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
After receiving multiple calls from - I assumed they were spam, my phone identified them as such, I received an email from XXXX XXXX and Credit aka XXXX  - stating tthat they were trying to collect a debt to XXXX XXXX - about 30 days after the calls started. I then called the listed number in the collection email rthree times over the course of a week, while there was an option to leave a message, there was no name or identification on the message mailbox. I then wrote to the email on the collection email asking for proof of the debt and delivery of notice to collect within 5 days of the first call. I have been trying for over 2 weeks to get proof of notice. They have repeatedly dodged sending proof of the notice. I have told them twice I would file a complaint if they did not. After I sent a final email asking for proof 5 days ago, I have not received a reply. I have asked them several times as well to notify XXXX XXXX that the debt has XXXX cleared so that I can pay my bill with them and rejoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Dear Yamaha Motor Finance Corporation, U.S.A., On or about XX/XX/2024, I, XXXX XXXX, called your organization to request a copy of the original agreement I had with Yamaha, including the arbitration agreement. Unfortunately, your representative exhibited poor customer service and hung up on me after two attempts. 

Therefore, on XX/XX/2024, I am filing this complaint with the CFPB against your organization for its negligence and unfair treatment. All I was simply requesting was a copy of the agreement to be mailed to my address. A debt collector has taken legal action against me in XXXX XXXXXXXX XXXX, which violates the arbitration agreement and the Florida Consumer Collection Practices Act, Fair Debt Collection Practices Act, and other laws. 

Please provide me with a copy of all documents pertaining to the original agreement with XXXX and Yamaha via mail. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PR

Complaint narrative:
Remove the following account because the payment history reflects continued reporting a charge off after this account was closed. This represent an improper use of my credit report and this is detrimental for me and my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity is the third party vendor of XXXX, a clothing store. I am a customer of Comenity via my relationship with XXXX. I am XXXX XXXX XXXX and am being charged for a paper statement. I can not navigate their complicated online payment process. It changes every time I attempt to access it. I can not talk to a live person as their system is fully automated. I challenge the CFPB to call the number they provide on their statement ( that they charged me {$2.00} for ) to speak to a live person. That number is XXXX. 

If you do get a live person, please let me know how you did it. 

This lack of service with a fee associated with it triggers a XXXX violation as it is unfair and deceptive. I also allege this constitutes as elder abuse, as the online payment process is mired in poor design and elderly people like myself can not get help. 

Given Comenity 's record of XXXX violation with add on fees, I am asking the CFPB to direct their examination team to exam their polices and pricing procedures. Since it's impossible to lodge a complaint with Comenity due to their non responsiveness I would ask that the CFPB review their complaint monitoring and logging program as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Over The last XXXX XXXX I have requested a Credit Report from Trans Union XXXX on the Phone & twice through XXXX  Still NO reports- The XXXX request was on 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 2024-08-06 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: CT

Complaint narrative:
The credit reporting agencies TransUnion, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed 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 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This auto loan was financed at XXXX in total the initial down payment was XXXX XXXX in cash the finance lender received XXXX in total from a period XXXX until XXXX the interest rate of loan is XXXX and a 72 month contract the principal amount of car is XXXX combined interest of XXXX it equals XXXX upon asking as a consumer for pay off request the sum of XXXX was quoted in XXXX and the lender informed me verbally on a recorded statement that pay off request dont include interest penalty fees or late charges then in XXXX the pay off request changed from XXXX, to XXXX mysteriously when asked as a consumer I was told there is penalties fees and late charges this is consumer fraud

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 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
I have a loan with heights finance and I have done business with them for a long time. This is the second time I have had to report harassing phone time. The first time was with their corporate office. I have gotten XXXX phone calls just today XX/XX/year> XXXX yesterday. I'm on vacation and when I'm on vacation I deal with no one. But this is just ridiculous. Then when I got a minute I called them back and told them to stop calling me that I was on vacation and if I wanted to deal with them I would answered the phone the first time. Then I get a phone call back from the office XXXX getting on to me about how nice she is and that she has always been helpful. Well needless to say that was the straw that broke the camels back. Now that's why I contacted you. I have screen shots of the phone call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from Wells Fargo on XX/XX/XXXX on my cell phone at XXXX am. I was on the phone for XXXX minutes. It was displayed as Wells Fargo and I recognized their customer support number. The number is XXXX. The person on the phone said there was fraud happening on my account. They said a teller working at the local bank and was trying to withdraw money from my account. The scammer said we needed to move that money and transfer it to an account which the bank had set up to catch him. They sent a code to work with me to catch the thief. I was on my cell phone. I realized that is was starting to sound not legit. I really thought they were trying to stop someone from getting my money. He got into my phone, accessed my account and did a wire transfer. In total I lost {$22000.00}. The wire transfer went to XXXX XXXX XXXX {$14000.00} was a cash advance from my credit card to my checking account. The {$8000.00} was from my checking account. I went into the bank within the hour and they told me if was fraud. I have called Wells Fargo over a dozen times in XXXX months. Sometimes they would say just wait and we are deciding. We received {$1000.00} from Wells Fargo who received only that amount from XXXX XXXX XXXX, which is all they said they would give back. Wells Fargo said they side with us that is fraud but we let it happen and we are not getting any money back. 

I have banked with them since XXXX and trusted it was them on the phone. If they are insured for fraud we want our money back. I see class lawsuits against Wells Fargo for this happening to many people, taking their life savings. What can be done.

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 2024-08-06 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-06 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX, Medical Revenue Services left a voicemail regarding a debt I owed to XXXX XXXX in the amount of {$340.00} for a service performed in XXXX, XXXX. I initially didn't remember so I contacted XXXX XXXX. I did have hand XXXX but had forgotten. I contacted XXXX XXXX on XX/XX/XXXX and said they had sent the original bill to me in XXXX, XXXX to an address I moved from XXXX. It was never forwarded to my new address in XXXX XXXX, FL. XXXX XXXX all the information was sent to Medical Revenue Services and they were unable to send me another bill. I contacted XXXX XXXX to confirm on XX/XX/XXXX, I did owe the co-pay of {$340.00}. I called Medical Revenue Services, again spoke with XXXX on XX/XX/XXXX requesting they mail me the information and I would pay the bill. She refused. XXXX, Medical Revenue Services called me XXXX XXXX and left a voice mail. I returned her call the same day and again, requested they mail me a hardcopy to my updated address or email it to me. She said she would talk to her supervisor. XXXX called me again, on XXXX XXXX. I returned the call & spoke with a XXXX, who said the information has been both mailed to my new address and emailed to me. I never received the information in either form. I checked my SPAM account also. XXXX said they would not mail or email it to me again. I, as a consumer believe it is my right to have written documentation. I told XXXX this and lost my temper and hung up. I'm willing to pay the debt but not until I receive written documentation via US Mail. If Medical Revenue Services did already mail it to me, give me proof.

Company response to consumer: Closed with explanation