vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Fax : XXXX Subject : Written request to remove non-payment reporting to credit agencies From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX Loan Number : XXXX Dear XXXXXXXX XXXX XXXXXXXX Department : It recently came to my attention that my escrow account was continuing to be below funding as of XX/XX/2023. I was not aware of this, and I continued to make my {$3200.00} mortgage payment as I have over the years ( never late for 6 years ). I received notice that my payment was delinquent for the month of XX/XX/2023, which I paid on XX/XX/XXXX. I was then informed by my credit monitoring system that there was a delinquency reported. 

The reason this happened was that my mortgage payment had gone up by approximately {$44.00} per month which I just learned by calling your customer service. I have since paid any outstanding balance of approximately {$85.00} and would appreciate it if you would remove this notice of non-payment to the credit reporting agencies. This has significantly impacted my credit rating and was not intentional on my part. 
Please feel free to call me at XXXX or email me at XXXX. I am happy to discuss this in person. 

Thank you for your understanding and assistance. 

Sincerely, 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 2023-11-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Company made inquiries into my report without my consent, knowledge, or explicit permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
My loan has been transferred to another Leander. The new lender does not answer or return repested phone calls or emails.

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 2023-11-29 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: NC

Complaint narrative:
We noted a dip in XXXX XXXX in XXXX, XXXX. When further investigating this we saw an outstanding balance from Goldman Sachs. On XX/XX/XXXX we called XXXX card and found out XXXX card was sold to Marcus Goldman Sachs. Initially customer service could not verify our account since someone had changed the phone number, email address and mailing address in our account. Customer service was able to verify that we were account holder by looking at previous records and history. Apparently a new card had been issued and mailed to someone who claimed to be the account holder. That person made numerous charges to the account. Customer service told us that we were not liable for these charges and that they will submit a dispute claim. on XX/XX/XXXX we received an email saying our dispute was denied and that we were responsible for the charges. on XX/XX/XXXX we filed another claim disputing these charges, which was again denied by email on XX/XX/XXXX. We called the card company on XX/XX/XXXX and asked to receive the documentation they used to make that decision. All we got back via email was the same note saying the dispute was denied. All we want is for Marcus Goldman Sachs to reverse the charges and close our account and fix our credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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:
TransUnion, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.

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 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Examine the enclosed documents. I urge the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my punctual 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I got an email from a XXXX XXXX ( email XXXX ) saying that I had purchased .017 Bitcoin for an amount of {$470.00} that they were going to take from my bank account. They even had an invoice # XXXX and a phone number which is XXXX. When I called that number, a person with a heavy foreign accent began to ask me for additional information to process a cancellation of the invoice. I refused to give any futher personal information. I called my bank and they said no money had been taken yet and they would keep the account under surveillance if such an invoice did come to the bank. This was all done under the name of PayPal who wrote that the payment was processed. 
The PayPal support team number was XXXX. 
If they had taken this money from my account it would have crippled me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IA

Complaint narrative:
They took money from a transaction that I never did and didnt give my money back from an ATM withdrawal that did not dispense and Im am never going through Chime again!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were 70 inquiries .....

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 2023-11-29 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
XX/XX/2020 with an amount disclosed of {$3800.00} was shown on my credit report which I did not authorize and nor have I ever leased with this company. Ive reached out the the company and disputed the account is currently still open and has not been removed. Ive talked to the apartment and they provided a letter that states they have no record of me staying there.

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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was paid in a check from " XXXX XXXX '' on XX/XX/23. I cashed the check IN PERSON at a Bank of America Branch in XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX on XX/XX/23. The check total was {$500.00}. On XX/XX/23 there was a debit reversal for the full check amount of {$500.00} stating there was a duplicate deposit. That is impossible, as the check was cashed, not deposited. BoA stated that the check was cashed on XX/XX/23 and then renegotiated at XXXX XXXX XXXX XXXX  on XX/XX/23. I do not have an account with XXXX XXXX XXXX XXXX, nor was I given the check back after it was cashed. 

BoA has now refused to continue their fraud claim as they insist that I ( the customer ) have to reach out to the company that paid me back in XXXX to reissue a new check. BoA has stolen {$500.00} from me, closed all cases, and refuses to help get my money back.

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 2023-11-29 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: NY

Complaint narrative:
I contacted Transunion on XX/XX/XXXX to dispute a report of an open account with missed payments to XXXX. They are reporting XX/XX/XXXX and that the account remains open. The information is inaccurate. the account was late in XXXX and paid in full and closed in XXXX. I contacted XXXX and they verified the account is closed and paid. Transunion in the dispute resolution states their information is accurate when it is not. XXXX and XXXX are reporting correctly - Transunion is not.

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 2023-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
They are discriminating against me; violating my rights, stealing my money, continuing to use my account but claim to closed it, lying, wont give information requested, stealing over XXXX XXXX dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
My XXXX Discover Bank card was reopened without my knowledge or authorization. The bills are being sent to an address I don't recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA XXXX and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I received a response for my previous complaint that said GM Financial has sent a response to the consumers complaint offering an explanation of the account status and a point of contact for follow up questions. 
Also it said GM Financial has submitted a request for an account adjustment per the consumers correspondence. In the response Gm financial stated : On XX/XX/XXXX, a cease and desist of telephone communication was documented to the account to ensure you do not receive further telephone calls, as requested. While you XXXX no longer receive telephone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by law. You must contact GM Financial if you want to remove the do not call status from the account so that we XXXX contact you again at the phone number you allow. But the cease and desist letter I sent clearly stated to Please cease and desist all collection activity regarding this account immediately. 
XXXX XXXX XXXX ( c ) Ceasing communication Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
Also gm financial XXXX GM Financial is required to report truthful and accurate information to the credit reporting agencies. We reviewed the account data sent to them and determined the information is accurate. 
On XX/XX/XXXX, the date we last reported, the account status was charged off with a {$18000.00} deficiency balance and an account payment history of XXXX, XXXX and XXXX. The date of the reported delinquency is XX/XX/XXXX. As a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the Fair Credit Reporting Act ( " FCRA '' ). but upon checking my credit file the last reported date was in XXXX of XXXX also the date opened on all three are completely different, and the date of last activity are also completely different on all XXXX credit bureaus. The response also stated that gm financial sent an adjustment request to the credit bureaus but there has been no adjustment made. Exactly what adjustment is suppose to be made?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/2023 I applied for the credit XXXX secured credit card solely because of the advertisement which states that I would receive a XXXX second decision- and that my credit would not be affected with a credit check throughout the process. I expected to receive a decision right away and instead I was told that it would take weeks to get a decision and that my credit report would taken- and as a result my credit score would be negatively impacted. The company blatantly advertised false information. ( Please see attachments ). In the pictures below you will see there is no asterisk next to the conditions or an indication to see notes below. Furthermore, even the smalll print fails to notify the customer that the statements made regarding decision time and credit checks are subject to conditions. In fact there is no mention of conditions in this advertisement and I have informed both credit one and credit karma of these false advertisement They are both responsible for advertisement false and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
I have enrolled with Aidvantage for auto-pay of my student loans. Both XXXX and XXXX, my automatic payments were withdrawn and applied properly to my loans. However, Aidvantage continues to claim that my account is delinquent. Basically, they took my money and then said I never paid. All of this despite my history of payments being very clear on their website. 

I have contacted them many times over the past month about this with no resolution, despite their admitting my payments were made and there was an error on their end. They still show my account as being delinquent.

Company response to consumer: Closed with explanation