vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccessible funds with my Apple Credit Card account On XX/XX/23, I transferred {$9400.00} from my Apple Credit Card account. However, while this amount has been withdrawn from my account, it is not accessible to me. When I attempt to use my Apple Credit Card for purchases, the balance shows only {$4.00} available credit. 

I have attempted to resolve this issue through customer service requests [ explain attempts, dates, who you spoke with ]. Unfortunately, the problem has not been resolved and I remain unable to access the {$9400.00} I withdrew from my account.

This situation is unacceptable and has prevented me from being able to make essential purchases. I rely on access to the credit I have been granted by your institution.

Please advise me immediately regarding what steps you will take to restore my access to the withdrawn {$9400.00} funds, so I can make necessary payments. If this issue is not resolved within 5 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and consider legal remedies.

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
My husband was the holder of the loan for our mortgage at Wells Fargo he passed away XX/XX/XXXX I became successor I got paperwork for it nobody will get back to me on how to handle this they're talking me to do a short sale for less than what I owe on the property I've lived in this property for XXXX  years I'm not willing to give it up I'm current on all payments but when I gave them my last payment it was not put towards the payment I tried paying XXXX and XXXX 's payment back in XXXX and they refuse payment because I was not on the account or the loan and they are charging me late fees. I need help so that I don't lose my home

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: VA

Complaint narrative:
Hello, Thank you for considering my request for assistance. The Flagstar Bank took over our mortgage loan as a new servicer on XX/XX/2023, but never contacted us ( three family members on the joint loan account ). As a result, the payments have been delayed since XX/XX/2023. On Sunday, XX/XX/2023, after receiving alerts from credit reporting agencies that our scores had dropped from excellent to poor, we became aware of the new loan servicer, Flagstar, and the overdue payment. We immediately took action to connect with Flagstar and have paid the entire overdue sum. After speaking to six representatives, one of them realized and admitted that all communication attempts had failed, and the letters were returned to Flagstar because they did not have the apartment number included when mailing us. Flagstar representative also listed to us unknown phone numbers they used to try calling. We corrected all information for Flagstar, set up new auto payments, and asked that they remove the late payment mark from our credit reports. They declined this request. I hope that we can get you help with this matter. Our credit histories speak for us, and the burden of having this late payment stain on our credit report for many years to come turns our lives upside down. We feel that we have done everything in our power to rectify this issue, but Flagstar remains numb to our plea.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a collection the i do not recognized. They reinserted on my credit report. I have write transunion multiple times and no solution.

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 2023-10-16 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: GA

Complaint narrative:
I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 
See below : -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -- EQUIFAX -- XXXX XXXX - XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act, my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the list of accounts provided. I directed Equifax to conduct a reinvestigation into the following accounts : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX Equifax keep sending a computer generated letter stating that everything was accurate and complete. This assertion raises questions, especially considering discrepancies in the open date, date of last activity, and other details. According to 15 USC 1681i ( 5 ), these agencies are obligated to modify accounts that are not accurately reported. 15 U.S.C 1681, Section 602 A affirms my right to privacy. In Section 604 A, subsection 2, it stipulates that a consumer reporting agency can not furnish an account without my written instructions. Section ( a ) ( 5 ) of 15 U.S.C 1681c states that no consumer reporting agency may include certain adverse information in a consumer report, excluding records of convictions of crimes that antedate the report by more than seven years. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Furthermore, it's evident that the credit reporting agencies are not in compliance with Metro 2 credit reporting standards. I possess evidence supporting my case. I am a victim if identity theft and Equifax data breach. I have attached a copy of the police report as well as a copy of the email were Equifax sent me a check for my personal information being apart of the breach. Despite requesting an independent discretion and providing all necessary documentation to prove the proper verification of these accounts, I have received neither. Instead, I received another computer-generated letter devoid of any supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
At XXXX XXXX XXXX XXXX of XX/XX/XXXX the bank moved money from my savings account and then, within minutes, allowed someone to then move {$4900.00} from my checking account to be deposited in an unknown account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in Washington State. When I contacted my local branch of US Bank later that morning, they said the transfer had gone through and there was nothing they could do. I made a police report. I wrote a four page letter outlining the entire situation and requested a unredacted copy of the documents upon which they relied to deny. It took well over two months and three phone calls to get that information. I received it today and the typing was so small even a magnifying glass could not allow me to read it. They stated in their letter that I must have participated in this because I gave out my password and answers to a security question. Of course, that entire section was redacted and of no help to me. 
I do not know what further I can do as an individual and thus I am filing this complaint with your Bureau.

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 2023-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
In XX/XX/2022 I requested a final statement from the billing department. I received a final statement. After having an issue with the amount billed I was contacted by a debt collection company. The best collector stated that I owed much more than final statement. Later the debt collector filed a lawsuit and claims to being owed the much higher amount. Over the last 6 months the collection company has done everything within their power to get a default or summary judgement. I am not disputing the original amount only the amount brought before court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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:
XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you 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 2023-10-16 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: TX

Complaint narrative:
XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2023, I submitted a Notice of Dispute and a Request to Remove Inaccurate Information from my LexisNexis Accurint Report regarding the incorrect Possible Properties Owned by Subject ( XXXX ) to LexisNexis at XXXX ( See attached Supporting Document # XXXX ). On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). On XX/XX/2023, LexisNexis responded to CFBP Complaint # XXXX with an attached letter titled cfpb XXXX XXXX XXXX XXXX XXXX ). LexisNexis ' response failed to address my complaint in any way. LexisNexis ' response addressed an entirely different matter altogether. LexisNexis actual letter was titled Re : CFPB Case # XXXX ( See attached Supporting Document # XXXX ). Interestingly, on XX/XX/2023, LexisNexis responded to a separate CFPB complaint and listed CFPB Case # XXXX in the reference line. However, once again, LexisNexis ' response failed to address the incorrect Possible Properties Owned by Subject in any way ( See attached Supporting Document # XXXX ). The incorrect Possible Properties Owned by Subject is still being incorrectly reported on my LexisNexis Accurint Report. This communication is my FIFTH NOTICE to LexisNexis regarding the incorrect Possible Properties Owned by Subject that LexisNexis continues to incorrectly report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. If LexisNexis believes that its reporting is accurate, please provide me with all source documents that identify the specific entity, address, and complete name and contact information of the individual whom LexisNexis spoke with, including the date and time, to confirm the incorrect information as accurate. If LexisNexis is unable to provide the required documentation, LexisNexis must promptly remove the disputed information from my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Today, XX/XX/2023, I attempted to withdraw {$80.00} from my CHIME debit account using a local atm I have used many times in XXXX Colorado. I received an error I was unfamiliar with that said transaction not authorized. This was not a declined error as Ive had that happen before and needed to move funds. I checked my Chime banking app and there was no record of a withdrawal or a declined transaction. I went to another atm down the street, same issue, same error. Transaction not authorized. Additionally, other people came up to the various machines i tried and used them, no problem withdrawing money. I can not figure out whats going on. Nothing in the app : No withdrawal, No errors. I check to make sure I have transactions enabled, I do. Everything is fine and I have more than enough funds in that account to cover an {$80.00} withdrawal ( ~ {$700.00} in funds ). I call chime and the agent is less than helpful. He just keeps repeating himself that there is nothing wrong on their end even though he spent no time looking into it. He then mutes the call and ignores me a solid minute before hanging up on me. I call again and get a similar experience without the hang up. They just repeat and repeat the same script that nothing is wrong on their end despite not looking into it at all.

Im unable to withdraw from a fourth ATM now. 
I decide to put it to rest for the day so I head home. I pass by a XXXX XXXX and decide to try once more to withdraw money. Im able to do so no problem. This atm was in a different part of the city and was XXXX XXXX branded. 
I dont know what is going on here but there is something happening with chime and allowing me to withdraw cash. Id say its the atms but there were other people using them no problem. Chime seemed to me very defensive and dismissive of this severe issue of me being unable to access my funds. I have not had an opportunity to try these atms again but Ive used them many times without issue. Ill be switching banks due to the apathy of chime but I do believe this should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-10-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
I informed Experian that the following accounts need to be corrected or deleted, pursuant to FCRA 611, because of inaccurate unverifiable payment history. Experian did not conduct an independent investigation, did not correct or update, nor did they provide any documentation to explain how they verified the inaccurate payment history. 

By ignoring my legal requests for a reasonable dispute investigation, Experian illegally extended the investigation, beyond what the law allows. These are the accounts in question : XXXX XXXX XXXX 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 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Selip and Stylianou, LLP sued me and obtained a judgement on behalf of a creditor who has sold the debt to a third party. I was not properly notified or given the opportunity to respond to the suit. They are now attempting to garnish my wages on behalf of a creditor that no longer holds the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
I was told that Equifax needed information. 

I sent verification of address which I resent this what letter Equifax sent to me. 

I also sent my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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 an account without my written instructions.

Company response to consumer: Closed with explanation