vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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:
I have been trying since XX/XX/XXXX & XXXX, 2023 to transfer money out of my account. Each time it has been reversed after having been assured the money would go through after being on the phone for hours. I have spoken to at least 7 different persons regarding this matter with one supervisor who hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
They are violating the fair credit reporting act and the consumer laws. I did not give them written consent to report on my behalf. They are keeping fraudulent information on my reports. 

Account : XXXXXXXX XXXX XXXX Account : XXXX Credit Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023, Chase took part in perpetrating fraud by opening a fraudulent business account at their bank where my wife 's and my funds were transferred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX Funding. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: FL

Complaint narrative:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX and XXXX Funding. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I attempted to buy a gaming ticket at XXXX XXXX XXXX through the XXXX ATM. My transaction was declined with the message that my daily limit was reached so I did not receive a gaming ticket. I then tried to do a cash advance and received the message that I had insufficient funds. I checked my balance online through CashApp and it showed the original transaction for the gaming ticket was processed which was a {$20.00} gaming ticket and {$5.00} in fees for a total of {$25.00}. 

I industry went to the cashier cage at the casino and a manager checked the digital transaction on the ATM machine which shows exactly what the screen had shown me. It showed the purchase of a {$20.00} gaming ticket and {$5.00} in fees as being declined by my bank ( CashApp ) due to exceeding my daily limit. They told me they were auditing machines later on and to call after noon. 

I called after noon and was connected to XXXX where they verified that CashApp declined transaction so that I received nothing and that I would have to dispute with CashApp. 

I opened a dispute with CashApp and provided the pictures I had of the ATM digital register I was allowed to take that night. ( Attachment 1 ) I was disappointed when CashApp denied my dispute. I requested what they used for investigation and was provided a simple transaction line that said transaction was processed correctly. ( Attachment 2 ) I called XXXX again in case something changed on their end, they once again verified that they didn't not receive anything for transaction because CasApp denied the transaction and due to that I never received anything. 

I redisputed with CashApp by phone and online many times and asked to speak with managers. 

This was due to the fact that THEY COULDNT HAVE CONDUCTED A PROPER INVESTIGATION BECAUSE THEY DID NOT CONTACT EVERI WHO WOULD HAVE TOLD THEM THERE WAS NO TRANSACTION PROCESSED IN XXXX 'S END BECAUSE CASHAPP DENIED. 

All I got was the same response from cash app over and over. They took my {$25.00} and refuse to give it back when all parties ( myself, XXXX ATM, and XXXX XXXX XXXX ) all state that CashApp declined the transaction and that I received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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:
In XX/XX/ I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC Fraud affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
My credit reports are not reporting accurately. I sent a letter to all 3 companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.

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 2023-12-30 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: PA

Complaint narrative:
On a XX/XX/XXXX I was the victim of identity theft. Someone broke into an online restaurant ordering website and purchased 18 separate meals from restaurants across the country using my Apple Card. 

I have tried at least five times to dispute the charges with Apple Card and provided a police report, but 10 charges still remain on the account. 

I have tried to speak with the investigators who are working on these disputes, but Apple Card is refusing to connect me to them. 

I have spent hours on the phone to resolve this issue with no sign that the situation will resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I was initially XXXX, XXXX, XX/XX/XXXX informed about a 10 % down payment, a 20 or 25-year term, and a repayment period per XXXX of 3 years. However, with just 6 days left until closing, Im unsure if this is appropriate or not. Wells Fargo has already deducted {$6200.00} from my account for the appraisal and other costs. Surprisingly, they are now insisting on a {$30000.00} 2nd on my DE beach property and additional down payment to cover a valuation shortfall. Beyond the concerning low appraisal, which doesn't align with property comparables bc they arent metro accessible like the property Im trying to purchase, there seems to be an unsettling pattern that puts me at a disadvantage. As an XXXX American female business owner, the persistent low appraisal raises suspicions of an ongoing tactic to extract more funds for the closing. 

I had a previous low appraisal for another property by Wells Fargo and covered the {$75000.00} and I think this same ploy is being used. 
Im supposed to close on XX/XX/XXXX please help. 
Loan # 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Failure to respond in a timely matter under FCRA consumer laws see attachments.

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 2023-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I am getting consistent phone calls for the past year or so from a debt collection company from XXXX XXXX, Texas and I live in XXXX They do not say my name what it is regarding. But they constantly call me. And when I try to call him back on only the phone number listed ( not given to me ; whichbdies not match ) I get no response and just today they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX there was check written from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX in the amout of {$68.00} from my checking account from XXXX  XXXX XXXX XXXX on Wells Fargo check without my authorization. I been working with Wells Fargo because of the check was used from Wells Fargo, and I mail all the information to Wells Fargo. Wells Fargo informed me that I do not need to contact XXXX XXXXXXXX XXXX. We will take care of it. 

I send in Information to Claim representative was XXXX claim representative in executive office. : '' 1. Copy of the check. XXXX. XXXX  XXXX XXXX statement. XXXX. Copy of the statement that there were account created from Wells Fargo and printed from my Checking account from Wells Fargo. Names on the account were XXXX XXXX and XXXX XXXX. The account number was XXXX Wells Fargo paid to my x husband court case in the amount {$4700.00}. I informed the Wells Fargo that my X husband has account with Wells Fargo. They ignored the information that I provided and paid his court case in full from my account. I divorced my x husband in XX/XX/XXXX and I didn't know about the case. 

I just found out that they stoped investigation on Wells Fargo case ID XXXX was provided by XXXX XXXX. her email was 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had recently contacted all three major credit agencies. XXXX, Transunions, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.

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 2023-12-30 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: NY

Complaint narrative:
I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX XXXX. XXXX XXXX XXXX XXXX This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX XXXX. XXXX XXXX. XXXX, XXXX If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a complaint on XX/XX/2023 with the CFPB ( Complaint ID XXXX ). The company has responded to my complaint by refunding only half of the requested funds. I have received the requested reimbursement for one of the unauthorized transactions for {$860.00}. The total reimbursement amount was {$1700.00}, and I have only received half of the funds. However, an additional {$860.00} has not been received yet.

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 monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Westlake Financial for Non-Compliance, False Information, and Negligence in Handling Disputes. Westlake Financial a financial institution, failed to comply with their own policies, violation of laws and regulations, and the willful and negligent mishandling of my dispute. Westlake Financial has failed to provide me with the 1099-C form, despite my numerous specific requests and efforts to retrieve such important documentation. The IRS Definition of an 1099C is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. This lack of compliance with tax reporting obligations hinders my ability to fulfill my own legal and financial responsibilities. Westlake Financial has provided me with false and misleading information regarding the resolution of my dispute and the issuance of the 1099-C form. Despite assurances of communication via email, I have not received the promised information. Furthermore, they have ignored my certified mail requests, displaying a willful and negligent disregard for my concerns. I have made numerous attempts to contact Westlake Financial regarding my dispute and the issuance of the 1099-C form, and they have consistently failed to respond in a meaningful and timely manner. Their repeated assurances of email communication have proven false, and their failure to acknowledge certified mail requests demonstrates a lack of commitment to resolving consumer concerns. Enclosed with this complaint, please find the following supporting documents : Copies of correspondence with Westlake Financial regarding the dispute and the 1099-C form. Any relevant documentation submitted during the dispute process. Proof of attempts to contact Westlake Financial, including certified mail receipts. The IRS explicitly states in the Instructions for Forms 1099-A and 1099-C that each creditor responsible for a portion of a canceled debt of {$600.00} or more must issue a Form 1099-C. As you are aware, the debt in question fulfills this criterion, and your failure to provide the necessary documentation is both irresponsible and in violation of federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Okay from the date of XX/XX/2023 to today 's date cash app has not refunded me my money that they said would be refunded in two to five business days every time I tried sending money to a family member or friend my transactions were declined for my protection and were said to be refunded to my bank within 2 to 5 business days those days have come and passed and I have not received any refund the amounts are ranging from a {$200.00} transaction to {$600.00} and there's about 22-24 different transactions that this is applied to it's over {$5000.00} that they have taken out in these 24 transactions and were said to be refunded in two to five business days and now they are closing my account saying that I am in violation of the terms and conditions but will not let will not specify what it is that I'm in violation of the terms and conditions and won't speak to me any further about the refunds that they supposedly have refunded my bank has not received anything I have statements for everything proof of all of it I have called multiple times best to speak to a manager and I've been declined that option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023. I wire transferred {$2900.00} to an online merchant via my bank J.P. Morgan Chase. Later, I found out that the merchant was a scam/fraud. On XX/XX/2023, I contacted the bank to get the money back, but the bank denied the claim due to the fact that they don't insure wire transfers.

Company response to consumer: Closed with explanation