vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : 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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/2021, called Marcus by Goldman Sachs ( MGS ) to perform a Domestic US wire from my MGS online savings account to my XXXX XXXX XXXX, XXXX. Individual Investement account, and I was asked to gather the required information ( Bank name, routing number, account number, etc ). I was informed that if the request was received by XXXX. of a business day, the domestic US wire would occure within hours of the request. When I called MGS  on XX/XX/XXXX to provide the required Domesctic US Wire from MGS  to XXXX XXXX, for some unkonwn reason the representative lied and decieved me by telling me that I could only perform a US domestic wire for an account that I had linked, which I was not told the day before, and has turned out to not be true. 
On XX/XX/XXXX, I called back to MGS  to verify the requirements to perform a US Domestic wire to XXXX XXXX, and only had enough time to get the represntative, who did not appear to know what he was doing, to verify that I could indeed perform a US domestic wire to an external account and it did not have to be linked. 
On XX/XX/XXXX, called MGS to initiate the US Domestic wire to XXXX XXXX before the XXXX. deadline, and after 4 hours, checked my XXXX account and did not see the funds. Followed up the phone call to MGS and the MGS representative then proceeded to tell me that my US domestic wire was in the queue, and would need a primary and secondary review before the funds could be released ( which was not told to me ). Then, the MGS representative told me that after the review, it may take 2-3 business days to complete the US domestic wire. 
**Complaint is to determine how many times and the Marcus By Goldman Sachs company lied and decieved me as a customer, and how this behavior can be corrected by Marcus by Goldman Sachs XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I have written multiple letters to Owen Loan Servicing XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
In or around XXXX XXXX XXXX I received a bill for moving out of a apartment unit in XXXX XXXX, California for around XXXX from a debt company and among the charges was I think around {$800.00} or more for new carpet through out the unit. I had only lived in the unit for about 8 months, so I contacted the collection company by phone and email and disputed the charges and filed a complaint with the California Attorney Generals office against the collection company because they were pretty rude. I also contacted the lard lord and disputed the charges and sent them a letter stating that. As of this date I have not heard from the land lord corporate office regarding the disputed charges. It is my understanding that there is some amount of time period allowed when a debt is disputed with a collection company and the debt company must provide verification of disputed amount. I have not heard from this in any written form since I disputed the amount. I have attached a copy of the letter I wrote to the collection company and the land lord disputing the amount. The last thing I heard from the land lord was that they were sending my concerns to the corporate office. Which I attached a copy of the response form XX/XX/2020.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received an installment loan of {$2600.00}, I made payments of around {$280.00} every 2 weeks. I recall all of the payment amount going to ONLY the interest. I paid on time for about 8 or 9 months, totaling to a little over {$5000.00}. I could no longer afford the payments with their predatory interest rates. I defaulted eventually. So I called to try to settle the account and they did not accept my settlement offer, and wanted 50 % of the balance that is now over {$4000.00}. I believe they are a predatory lender with their ridiculously high interests rates. As, I've already paid double what they lent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my Equifax report as well as XXXX as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA

Complaint narrative:
I am filing this CFPB complaint against the Professional Bureau of Collections of Maryland because they reported to my credit reports an account without contacting me first upon receipt of the account. I showed a missed phone call on XXXX, XX/XX/2021, and then I received a letter on XXXX, XX/XX/2021. Upon receiving the letter, I called and paid the {$73.00} that day. 
They should have contacted me first to give me a chance to pay prior to putting it on my credit bureau report. The original party, XXXX XXXX XXXX XXXX did not report this to the CRAs, but upon receiving this they PBC of Maryland did. Per the FCRA, they should have notified me of the change of ownership prior to reporting to the CRAs under their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: NV

Complaint narrative:
My husband and I traveled to XXXX over XXXX and XXXX Years. Of XXXX and early XXXX. On XX/XX/XXXX we went on a XXXX rental from XXXX XXXX XXXX, the the ocean was so rough my husband and I both got sick, and two crew members. Also while we were on the ocean, one of the engines blew, and we were down to only one so the captain insisted that he gave us a refund. The captain also had a difficult time parking the boat with only one engine and I have a video to prove that. I also told the bank that. I accepted and the refund was supposed to be for the full amount of {$1700.00}. That charge still has not come off my account. I also had two more charges on XX/XX/XXXX, one for {$250.00} and one for {$500.00} from XXXX XXXX XXXX XXXX. I had purchased a couple of cheap magnets for our son that has XXXX, and instead of them charging me in XXXX they charged me in dollars!! I got ripped off pretty bad in XXXX. I have tried to contact both merchants, and neither one have been cooperative. So I faxed my bank a letter to dispute all three charges. They confirmed that on XX/XX/XXXX they received my notification of possible incorrect debit card transactions on my bank of the west account. On XX/XX/XXXX I received a letter from them from XX/XX/XXXX saying that they had completed the investigation of my case. Bank of the West denied it, said that merchants are independent from us and they bank is not responsible for them for misrepresentations made by merchants from which I choose to purchase goods and services with my card. This is ridiculous when I cant even directly speak with the merchants. These are fraudulent charges, that I did not make and also one that should be refunded because of the horrible experience that we received and we were told we would be receiving a refund. I feel like I have been scammed by Bank of the West also. I have been saving for years to go on this trip. Also having a son that has XXXX and is nonverbal, it was a vacation my husband and I really needed and then to come home and see bank fraud is disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: CA

Complaint narrative:
i had ask for my credit report from all 3 credit reporting i got my report from XXXX, AND XXXX XXXX BUT NOT EQUFAX SO I CALL THEM TODAY XX/XX/21 I WAS ON THE PHONE FOR ALMOST ONE HOURE THEY KEEP PUTING ME ON HOLD I ASK TO SPEAK TO A MANAGER BUT THEY KEEP PUTING ME ON HOLD FOR LONG TIME SO AFTER 1 HOUR I JUST GIVE UP. 

JUST WANT MY CREDIT REPORT FROM EQUFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I received a phone call, XX/XX/XXXX, stating a Civil Legal Complaint had been filed from XXXX XXXX, Hawaii. 

They left the phone number for the law firm handling my case, ( XXXX ) XXXX & Case Number XXXX - to which I called. The gentlemen I spoke to confirmed the information in the message I'd received via my case number. He asked me to confirm the last 4 of my SSN ( which I regrettably did ). He then read to me my entire SSN to which I did not acknowledge. 

I asked what this was from and he stated that it was an outstanding debt from Chase Bank. I explained that the debt was from XXXX and was time barred/statute of limitations. He told me that the climate had changed and they were pursuing civil legal action and that I would receive notice by mail. I've yet to receive any notice. 

I've tried to contact the number again but there is no answer. I've additionally placed a freeze with the credit bureaus. 


Thank-you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX CNAC ran my credit with my verbal consent. They did not have the product I wanted so I told called to change my mind about furthering the application process. 

On XX/XX/XXXX CNAC ran my credit again without my verbal or written consent. I called XX/XX/XXXX and was told I would get a phone call relaying the solution to me. I did not receive a call that day nor until XXXX on the next day. I called again and was told my the CNAC employee she would personally email me when the solution is put in place. I do not trust them whatsoever as I did not give any other information or idea that I was going to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX  XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : 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 I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : 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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Dear CFPB I have had a PayPal account first for business, and now in my personal capacity, for many years. PayPal has placed a hold on my account for 6 months in violation of the Consumer Financial Protection Act : specifically, the prohibition against deception or unfair practices. PayPal has placed a 180 day hold on my account in violation of the Long Form Agreement which says that risk based hold normally would not exceed 21 days. This is a deceptive representation giving because by their action, they garnished money not for a risk but for some other purpose such as wanting use of my money and not paying interest. 

From between the XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I transferred {$29000.00} into my PayPal account from my XXXX XXXX account. The size of my average transfer was around {$1000.00}. 
Once only, I mistakenly transferred money from a XXXX XXXX account that I had closed and had not updated on my PayPal transfer information to reflect this change. PayPal informed me of the error and the next day I covered that amount ( {$1000.00} only ) by bringing in additional funds. 

I admit that the initial transfer was a bit mistake on my part and one I immediately corrected with no consequence to PayPal. However, PayPal placed a 180 day hold on my account. The only notice I received is something vague informing me of the hold, but it did not even give me a phone number to call for clarification. My girlfriend and I need these funds for living expenses I have attached the letter from PayPal notifying me of the hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citibank- I have two savings accounts with Citibank . One savings had {$26000.00} and the other savings account had just over {$500.00}. 
Today I tried to sign onto my online banking and it said there was a problem and I could not view my accounts. I called customer service 4 times ( total of over an hour ) before I finally got to someone who was able to tell me that my accounts had been closed. They would not give me a reason and told me that I would be sent a letter and a check would follow with my funds. 
I have done research on this specific situation and it looks like it has been months as some people still havent received their money. 
This money was my savings to purchase a house in the next month or so. How can they just close my account, cut off all access to my fund and tell me this can take 30-60 days to resolve. 
This savings account was a deposit only account, no negative activity and no account information was incorrect. NO REASON FOR THEM TO CLOSE IT. The funds deposited were strictly from my salary. This is unacceptable and I would like a reason and my funds in my hand ASAP. I have been working towards a goal to purchase a home for two years and this has now XXXX  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 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom mortgage inaccurately added late payments to my husband and I credit report that they stated would be removed if we provided an explanation from the bank and provided proof that the bank account that had fraud was closed. They also stated they would dismiss all late fees. 
All information was provided and Freedom Mortgage removed late fees but were not willing to remove late payments from credit report because they stated it would show that they made inaccurate postings. Since then Freedom Mortgage has made several mistakes causing us issues. Freedom Mortgage fraudulently cleared our mortgage and when attempting to make mortgage payments they stated that they had no principle to apply my payment to. I pleaded with them to take my payment so I wouldn't take anymore hits to my credit report. They refused to take my payment and stated they would have to send payment back and could possibly charge me a late fee if there is a system issue. 

XXXX XXXX and XXXX XXXX were the 2 supervisors assisting. XXXX apologized about the confusion and stated that with the removal of late fees for both borrowers credit report should have been adjusted as well. XXXX stated she would make sure it was taken care of. XXXX XXXX followed up to state that they would not be honoring that request. 

Attached is the letter sent to freedom mortgage as a follow up to the promise of removing late reporting from credit. I had to call more than 50 times and send more than 15 follow up emails before I could get a response. Also attached is the XXXX XXXX letter and proof of our entire mortgage cleared with a XXXX balance that caused a month long of confusion. This is proof of freedom mortgage constant mistakes.

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