vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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:
First, I used my Marcus Goldman Sachs savings account routing and account number to make my property tax payment on XX/XX/2024 that would be due on XX/XX/2024. Then, I tried to withdraw {$5000.00} from my savings to my checking account on the same day and the day after but got an error about a technical issue each time. Finally, I called customer service on XX/XX/2024 and was told my savings accounts were restricted/locked. I was never given the reason. I spent half an hour on the phone with them to get the restriction lifted. I asked them to confirm if my property tax payment would go through and they confirmed it would. I got another call in the afternoon from them about my property tax payment. I told them I spoke with them earlier that day and that the restriction was lifted. I asked them to confirm again if the property tax payment would go through and they confirmed it would. Today XX/XX/2024 I received an email from the tax collector that the payment did not go through and would be delinquent at this time. I rushed to pay my property tax in person and had to pay a XXXX  % penalty that added up to over {$600.00}. I called Marcus Goldman Sachs again to issue a complaint and asked again for the reason why my accounts were restricted/locked in the first place without ever notifying me. They could not give me the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We had an equity loan ( line of credit ) on our home in XXXX  ( second home ) many years ago. A gentleman from Bank of America called to inform us that BA was no longer able to provide lines of credit on second homes. Our permanent home was in XXXX XXXX, and he offered a transfer of the loan in XXXX  to primary home in XXXX. I informed him that I was unable to acquire wind insurance in XXXX  due to the age of the home ( XXXX ), he said that was not a problem, so I allowed the equity loan to be transferred the home in XXXX. For many years ( over XXXX  years ), each year, I did provide BA with my full property insurance policy as requested ( all coverage except wind insurance ) which was never available to us! There was never a problem, I repayed the loan, never ever missed a monthly payment. There was never a penalty etc over all these years. We had to sell the house in late XXXX XXXX XXXX, and at the closing, BA removed and extra {$15000.00}, above the loan repayment amount of about {$400000.00}. I have since contacted BA many, many times, to no avail, they did return my calls, and said this went to their highest committee! The final letter states that we are to maintain wind & flood coverage if the loan property lies within a special FLOOD HAZARD AREA! Our home was not in such an area, and I explained this many times to the representative at BA, but the response is that their form has to be re-done???? WE DID NOT EVER LIVE IN A FEMA designated area, therefore would like a refund in this extremely large penalty we were charged at the closing, can you please help us, we are in our XXXX XXXX and never expected this huge bill! We had no choice, the amount of over {$15000.00} was taken from us at the closing! We never had an insurance claim in all of the years we lived in that house ( XXXX to 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 monetary relief
Consumer complaint received 2024-04-11 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:
CFPB, EQUIFAX IS A WELL KNOWN CREDIT REPORTING AGENCY THAT CREDITORS USE TO VALUE & JUDGE THE INTEGRITY OF THE CONSUMER TO REPAY THERE XXXX AM A SMART CONSUMER AND CHECK MY CREDIT REGULARLY, THERE ARE XXXX REPORTING AGENCIES XXXX, XXXX & EQUIFAX. THE REASON XXXX REACHING OUT TO CFPB IS THAT ON XXXX XXXX EQUIFAX FOR NO APPARENT REASON LOWERED MY CREDIT SCORE XXXX POINTS WHEN ALL MY OTHER CREDITORS RAISED MY SCORE UP XXXX POINT IN XXXX AND XXXX POINTS IN EXPERIAN.ALL THAT CHANGED ON MY EQUIFAX CREDIT REPORT THEY SHOT MY CREDIT SCORE DOWN XXXX POINTS, THAT DOES'NT SEEM CORRECT COULD YOU PLEASE INVESTIGATE INTO THE MATTER I FIND THIS SITUATION EXTREMELY DIFFICULT TO UNDERSTAND.IN THE PAST THEY'VE DONE IT AS WELL ON MY CREDIT REPORT. I WOULD NOT BE ABLE TO TELL YOU HOW WELL THERE EMPLOYEES ARE TRAINED TO MAKE THOSE IMPORTANT DECISIONS FOR THE CONSUMER THOU THERE ACTIONS AND DECISIONS CAN AFFECT THE INTEGRITY OF THE CONSUMER.I FEEL DICRIMINATED AND HUMILIATED. 
BEST REGARDS, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/2024, I found a dispute with cash app in regards to a transaction on a purchase that was previously canceled. Within XXXX business days, a cash app. Dispute department representative reached out to me via email and stated on XX/XX/XXXX, the dispute had been resolved And monies will be credited back to my account within XXXX to XXXX business days. And today is now day XXXX on XX/XX/2024. I have spoke to various representatives with Cash App, including a manager, also providing proof of what was told to me in the email in regards to receiving my money back to my account. now theyre stating verbally that I will have to wait 45 days to receive my money back period in which they are not honoring what was provided within the email of XXXX to XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-11 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: AZ

Complaint narrative:
Letter to XXXX and Equifax. 

I am sending you a follow-up letter regarding the remaining derogatory items that you have continuously furnished on my credit report. I want to emphasize that these accounts still show inaccurate information. 

XXXX. XXXX XXXX XXXX  - Account # : XXXX This account has inaccurate details in Account Status, Date opened, Payment Status, Last Reported, Date Last Active and Date of Last payment. 
As per FCRA, Accuracy of report. I have the right to dispute inaccurate or incomplete information on my credit report and I firmly request that it must be corrected or REMOVED. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX This account has been successfully deleted in XXXX!!! And it still has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ) - Account # : XXXX This account has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

I look forward to seeing these accounts completely wiped out from my credit files by next month. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-04-12 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: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was a victim of identity theft back in XX/XX/year> a credit card was opened using my information. My wallet was lost or stolen my wallet had all my identifying information including my SS # it was in my wallet because a few days prior I had to prove my citizen ship. I provided Macy 's with affidavit of signature along with XXXX checks the thief had written on XXXX different opened checking accounts. So Macy 's could clearly identify the account opened was not my signature. I also provided my police report along with FTC fraud report along with detective XXXX XXXX information XXXX working my case. I also in my appeal questioned why I would comment fraud against myself risking the filing of a false police police and FTC report and risk jail time possibly prison time since the total amount of fraud was up ward in the XXXX range. I received the appeal decision stating I received benefits form the disputed charges. the investigation does not substantiate claim ( did they even consider the pile of information given? ) investigation complete. May we remind you if we do not receive the minimum due by the due date on your statement we will report late payments to the credit beau 's I guessing along with mega interest and late fees. I find it so absurd with all information given they are still after appeal are still finding me responsible.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NV

Complaint narrative:
On XXXX, XXXX, I received an administrativesettlement of an '' alleged debt '' from Weltman, Weinberg & Reis L.P.A., Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$7100.00}. Without notice XXXX XXXX XXXX XXXX corresponded with Weltman, Weinberg & Reis L.P.A., in regard to the amount in question. XXXX XXXX XXXX XXXX is currently the reporting agency on my report with Account XXXX. XXXX, for the alleged debt that Weltman, Weinberg & Reis L.P.A., claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. XXXX XXXX XXXX XXXX and Weltman, Weinberg & Reis L.P.A., erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. 

On XXXX, XXXX, I received an administrativesettlement of an '' alleged debt '' from XXXX XXXX XXXX, Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$18000.00}. Without notice XXXX XXXX XXXX XXXX corresponded with XXXX XXXX XXXX, in regard to the amount in question. XXXX XXXX XXXX XXXX is currently the reporting agency on my report with Account No. XXXX, for the alleged debt that XXXX XXXX XXXX claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. I've requested that these agencies validate these alleged debts, and produce the original contract to verify their claims against me. After a month there has been no response to my notices. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I demand in these instructions that the accounts Account No. XXXX, Account No. XXXX that are listed above, be removed according to 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I owed a credit card debt to Citibank for around {$1300.00} including late fees. This happened during the pandemic. It ended up going to a collection agency. For some reason they put the debt at around {$1800.00}. Every time I would report the amount incorrect, they would claim it was and add on another XXXX XXXX dollars. Or if they noticed my credit rising, they would post the debt with a fresh date. Thereby they effectively kept my credit around the upper XXXX lowers XXXX. In XXXX of 2023  Citibank sent me a check, which the letter I still have. They said credit was due to my account, an obvious admission of the original amount of the debt being incorrect. During this time the collection agency XXXX XXXX sued me. I had no clue because I never received a subpoena, thereby they won by default cause I had no notification of any court date or case. I was left with $ XXXX {$600.00} checks biweekly. Whatever check the judge looked at had overtime, holiday pay, and I was temporarily exempt from taxes. They claimed I make almost {$2000.00} biweekly which is false. They were able to rip a large amount from my checks. I had to withdraw my XXXX to prevent eviction. Also, even though they have received the money through garnishment, they still have the debt posted on my credit.

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 2024-04-11 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: PR

Complaint narrative:
The credit reports show a public record on my credit that is not mine, I asked the credit company to delete this public record on my report, but it took more than XXXX  days and they didn't send me the investigation, and the account is still on my credit report. Please investigate this ; The Public Record Number is 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been trying to get my deceased wife 's retirement funds released to me. Several calls and long hold times ( XXXX minutes ) only to here they need more documents or that they didn't receive the documents ( death certificate of her and her mom, beneficiary ). This has been going on for months. We were not married at the time of her opening the account, but clearly states me as her husband at the time of death.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX PACES XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account XXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.

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 2024-04-11 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that are appearing on my credit report. Upon reviewing my credit report, I discovered multiple inquiries that I did not authorize or initiate. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) and demand their immediate removal. 

I want to emphasize that I did not apply for any credit or authorize any entity to access my credit information on the dates indicated above. These unauthorized inquiries are detrimental to my credit score and financial standing.

Furthermore, it is my understanding that these inquiries may constitute violations of the FCRA. Specifically, I believe the following provisions have been breached : XXXX. Lack of Permissible Purpose : Under the FCRA, entities are only allowed to access an individual 's credit report for permissible purposes, such as in response to a credit application or with the individual 's consent. Unauthorized inquiries made without a valid permissible purpose violate this provision. 

XXXX. Failure to Obtain Consent : Even if an inquiry is made for a permissible purpose, the FCRA requires that the individual 's consent be obtained prior to accessing their credit report. I have not provided consent for the inquiries in question, thus constituting a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief