vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
After my previous complaint regarding my CD maturing and the wire not promptly sent out by Goldman Sachs with accurate account information, I learned yesterday XX/XX/23, that without notification to me, or online banking, or through the mail, Goldman Sachs reversed my wire and created a new CD. Did not notify me. When continuous calls were made by both myself and the receiving institution regarding the wire, Goldman Sachs finally wire the funds on XX/XX/23. However without any notification, for their admitted error, they withheld a penalty of {$830.00} for " early withdrawal of a CD ''. A CD that I never created. As of my phone conversation today XX/XX/23 I am waiting for my issue to be reviewed in the " que '' and consideration for my " penalty charge '' to be reviewed. I didn't have a CD. My prior CD renewed on XX/XX/23 with closure and wiring instruction. On XX/XX/23 when this didn't happen, new and complete wiring instructions were given to both my savings and my CD. On XX/XX/23 my savings was sent $ XXXX however the $ XXXX was not. It took call after call and finally my CD was wired on XX/XX/23 {$830.00} less. No explanation, no statement, no pending account information, no history of interest accruing while being held at institution. Absolutely no customer activity available for me to see online. I am still waiting on a Supervisor or manager phone call. No ability to escalate. {$830.00} in FEES for a Goldman Sachs reoccurring error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX of XXXX there was this company called XXXX XXXX soliciting the remodeling of home bathroom located inside the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, TN XXXX. Therefore, I filled out an application for free home estimate. The XXXX XXXX representative came to my home late XXXX of XXXX. The XXXX XXXX representative presented an estimate of cost for two restrooms inside my home. The XXXX XXXX representative advised financing was available ; therefore, the financing for the funds to complete the project where financed through a bank called XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. XXXX offered no payments nor interest for 18 months if paid off before the 18 month period there will be no interest applied. XXXX approved the loan and the XXXX XXXX  representatives contracted the work. XXXX paid XXXX XXXX. In XXXX of XXXX came into a large amount of wealth. However, I had never started my first payment with XXXX. I called XXXX Customer Service to get an early payoff. The XXXX representative quoted the early payoff. I asked the representative several times before retrieving a cashier check was the payoff amount correct. The XXXX representative assured that the payoff amount quoted was correct according to the system. Therefore, XXXX received a check from me in the quoted payoff amount. In XXXX of XXXX just being curious about my credit score I pulled my credit report only to see XXXX showed a balance. Nevertheless, I contacted The XXXX Bank in question of the account. After, being placed on hold several times finally a representative advised that a complaint would be file for me. I received a call from XXXX in XXXX of XXXX stating the investigation was complete. Upon XXXX investigation, they stated the check was short ; therefore, the interest was applied as well. I asked the XXXX representative why wasnt any contact sent by mail, email or phone to advised that my contract was at fault. I never heard or received anything information from XXXX informing me until XXXX of XXXX. I asked XXXX to forgive this debt because they received a large amount in XXXX. The XXXX refused and now theres a third-party company calling now trying to collect on a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been a Citibank credit card account holder since 2008, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. 

Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/2008 with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). 

What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. 

As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account NumberXXXX, XXXX Account Number:XXXX has violated my rights. 15U.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

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 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I have reached out to XXXX XXXX by phone numerous times to try and fix my locked out account. Due to this, I was unable to access the account starting in XXXX. Additionally, I never received a statement regarding the outstanding balance to my address. Additionally, the only way I found out about the debt collection was from my credit report on XX/XX/15. I did not even know I had an outstanding balance of {$180.00}, let alone could not see that there was anything still due. It is not fair that my credit is damaged because they ( neither XXXX XXXX nor the collection agency ) did not inform me of any debts due or even collection agency. I called dominion once again on XX/XX/15 who said they could not do anything because of my account being closed. I called the collection agency and paid as I try to work with both groups to figure out why they charged me in the first place. They never gave me any information on the debt. They admitted to sending the notice to the wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I received an alert that my credit report was pulled by XXXX XXXX for an auto loan. Just one day before i did receid a call regarding the auto loan interest even when i am not even looking for a loan or new vehicle. 

After the credit pull, I suspected fraud then reached out to the dealer/agent on XXXX who pulled my report who claimed that they received my data from he claimed that he received the data from XXXX auto loans XXXX XXXX XXXX XXXX ) and suggested to talk to the owner of that company XXXX - at XXXX. 

As suggested, I spoke to XXXX on XX/XX/XXXX, and explained to him that I had not used their service in the past 60 days. there could have been chances that I used in the past but not in the last 60 days, how did you pull my report or share my information with dealers? he promised to look at the issues. Since then, he is not reponding my calls.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and XXXX is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also 2 different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and XXXX is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also 2 different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2022 someone logged into my Zelle account and sent {$1000.00} to this XXXX XXXX, Ive contacted my bank since then and made complaints and reports about this problem. I was told by an individual that had a similar situation that I should reach out to your company to get further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PPH mortage has reported in XXXX and XXXX of 2023. XXXX payment was made and delivered on XX/XX/XXXXXXXX XXXX and XXXX is not reportable on the XXXXXXXX XXXX of the month that it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, 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: CO

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

Account name : XXXX XXXX XXXX #, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check n go changes its name to consumer adjustment put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think XXXX is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: SC

Complaint narrative:
On XXXXXXXX XXXX, XX/XX/2023, I received 3 emails from Albert. One saying to verify my email address. Another one said they will be charging me {$140.00} per year and a third with information ( banking account and routing number ) that was created automatically for direct deposit. 
I did not create this account. This is fraud. I reached out to the bank but I can not reach a person because everything is automated or you need the Albert App. I have emailed them and texted them to close the account but I have not had any luck. It has been 6+ hours of waiting.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 
Accounts : 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 2023-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have sent them numerous letters disputing XXXX XXXX being fraudulently on my account and they have not removed it i also told them to request proof that of me either filling out information or me personally showing my id getting the auto loan they have not did anything to remove this dispute off my account

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ye
ars.

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

Company response to consumer: Closed with explanation