vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I opened a Apple Saving Account which is backed by Goldman Sachs. I deposited a total of XXXX into my account on XX/XX/17. On XXXX ( almost a month later ) I initiated an ACH to my personal banking account ( XXXX XXXX  XXXX XXXX I was told the XXXX would take XXXX business days. After speaking to multiple people I called back in on XXXX and was told my initial funds of XXXX had not been verified and my withdrawal to PNC was being sent back to Goldman. As you can imagine I am very upset with this. This is 100 % legit my money and it shouldn't take a month to verify my funds. Goldman has not been able to provide me when my funds will be verified, even though I see the total savings on my apple savings and have even accrued interested from Goldman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I opened an online account with Axos Bank depositing {$200000.00} on XX/XX/23 to a money market account. 

On XX/XX/23 I entered a secure message asking why my balance wasn't showing up yet. I followed up that secure message on XX/XX/23 asking for a reply. I never got a reply. 

On XX/XX/23 I sent another secure message with 3 screenshots. The screenshots show that two account with the same account number were showing on the website. Both showed XXXX balance. They also showed that there was an available balance once selected, but didn't show on the main screen. On XX/XX/23 I got a reply saying the balances were showing up now, but did not address the issue of two accounts, with the same account number, showing up. I replied on XX/XX/23 asking did you see the screenshots and why are there 2 accounts showing? They replied on XX/XX/23 stating they had forwarded this to the appropriate department and you will receive an update on your concern within 24-48 hours. 

On XX/XX/23 I sent wire transfer request, per the pdf instructions to XXXX. I almost immediately received a reply that they no longer accepted these requests via email and that I need to upload the document in the secure area of their website. When I tried to upload the document as they described, neither account showed up in the " from account '' drop box to initiate the wire transfer. I called the support line on XX/XX/23 and was told that I needed to submit an online request for help. I told them that 17 days ago I was told they would fix the previous issue in 24-48 hours and that their online requests aren't timely. The representative then put me on hold and when he came back he told me that he had forwarded the request on to a separate department to get fixed. 

Bottom line is that they aren't fixing things and I can not get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/2023 amount of XXXX $ and XXXX $ was sent to a chime user unauthorized by me it was fraud. My card was stolen and I had to request new card. The company said there was no error found in there investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We are currently enrolled to help with our debt with XXXX XXXX One of the companies we enrolled was American Express. In XXXX of XXXX, we started the program with XXXX fiXXXX. We started putting money into our dedicated account XXXX of XXXX BECAUSE we want to pay our debt at a number we can actually afford as retired military. Our first missed payment to AMEX wasnt until mid XXXX. We didnt hit 30 days missed payment till XX/XX/XXXX. Currently in XXXX of XXXX. Only 5 months out. It started with calls and letters which we expected. We directed them to XXXX XXXX and told them we are working on fixing our debt. That they WILL be paid, just please contact the company we are working with to fix this. We understand they want a payment and we havent said we wont. We are just going through a company to do so. Apparently thats an issue. They refused to let us speak, refused the information, cussed us out on numerous occasions and even had a guy who said he represented American Express call us and cuss us out. The last call was in XXXX where a VERY aggressive and loud man was demanding payment and again, refused to take the information on the company we are working with. Ended up having to block the numbers to stop the harassment. 
We are 5 months out. Thats it. They have refused to work with us or XXXX XXXX and are now trying to sue us. We havent been served, yet we got a letter stating we were being sued that wasnt even certified. 
The amount that is owed is XXXX XXXX ( That doesnt include the extra fees they have recently added ) Our last payment we made was XX/XX/XXXX at XXXX and XX/XX/XXXX of XXXX. 
Not once have we said anything negative. We have continuously tried to explain the situation and it sounds like they would much rather harass us than fix the situation and are now creating stress. Theres an old saying, you cant get blood from a turnip. Their fees had gotten higher regardless of making monthly payments, they never once reached out politely and instead were absolutely atrocious. All we are asking is for them to work with XXXX XXXX. Speak to them at least. But they wont. So now Im done trying. They have people coming to our house now harassing us. I have video proof. Whatever info you need, please dont hesitate to contact us so we can get this fixed ASAP. 
Again, we want to WORK with them. They just refuse to work with us. Im unsure of how to upload the video to here as its 5 minutes long. And the letters I have, AMEX has sent to us. XXXX XXXX has all of our dedicated account information and Im sure can share the program with you. I am attaching our proof of working with our debt as well as the last statement we received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MortgagePros, LLC
State: AL

Complaint narrative:
XX/XX/2023 I requested my appraisal to be transferred to a new Mortgage company, as well as stated that I no longer wanted to work with Mortgage Pros. 

XX/XX/2023 After repeatedly request for my appraisal request to be transferred from Mortgage Pros. To XXXXXXXX XXXX, it was said to my rep from XXXXXXXX XXXX ( I was silent but on the call ) We can win him back. And when told You cant hold onto his appraisal if he paid for it, and has told you he no longer wants to work with you. XXXX XXXX said So, the VA allows us 72 hours to hand it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-05-19 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-05-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX inaccurate information and invalid information. My identity was stolen below is my consumer report :? 
XXXX Report Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with Truist Bank and also had GAP insurance with XXXX. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with Truist and also with XXXX, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to Truist, ( even though we were not at fault at the accident ) still there was a balance that XXXX ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( Truist ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

Thank 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 explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX, I made an unfortunate decision to open a self-credit building account, which required me to pay a monthly fee along with a certain amount. The purpose was for them to report this activity to my credit history and eventually refund me the amount I paid after 12 months. However, unbeknownst to me, in XX/XX/XXXX, they opened a credit card under the same account without my knowledge or consent. To make matters worse, they deducted approximately {$200.00} from my protected loan without my permission and transferred it to this unauthorized credit card. Additionally, they charged me a yearly fee of {$25.00} without my prior knowledge. I remained unaware of these actions until XXXX when I discovered a late payment on my credit report, resulting from the non-payment of the dues on this unexpected credit card. 

It is important to note that they wrongfully took money from me without my consent, as I had not been informed or involved in these transactions. I have documented my interactions with them while attempting to have this account removed from all three credit bureaus. If they fail to rectify the situation by removing this account from my credit report, I will be left with no choice but to pursue legal action against them. I believe I have grounds for several legal claims, including Unauthorized account opening : ( They opened a credit card without my consent or knowledge, which is a violation of consumer protection laws. ) Unauthorized deduction : ( They took around {$200.00} from my protected loan without obtaining my permission, which constitutes unauthorized access to my funds. ) Hidden fees : ( They charged me a yearly fee of {$25.00} without disclosing it upfront or obtaining my consent, which is deceptive and unfair business practice. ) Credit reporting negligence : ( Their failure to inform me about the credit card and subsequent non-payment resulted in a late payment appearing on my credit report, potentially causing damage to my creditworthiness. ) Again I have meticulously documented my interactions with them in an effort to resolve this matter. However, if they do not take immediate action to remove the account and rectify the damage caused, I will proceed with legal action to seek compensation for the harm, inconvenience, and potential financial losses I have suffered due to their misconduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally FrauXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX just sold my information after i complained about it on here. This is fraudulent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: GA

Complaint narrative:
Dear CFPB. I am writing to file a complaint against Experian. I reached out to Experian on XX/XX/23 and did not receive a response after 30 days. I reached out a gain on XX/XX/23, demanding a response and again did not receive an answer. I am attaching copies of both letters and copies of tracking showing delivery receipt. 

Experian is reporting several accounts on my credit report that I have disputed as inaccurate. Under the Fair Credit Reporting Act, a XXXX XXXX XXXX has to review and respond to every dispute it receives within 30 days. If the review isn't complete, the agency is obligated to remove the disputed record. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

This letter is formal notice that Experian has failed to respond to my dispute letter within 30 days. They have also failed to respond to my XX/XX/23 letter as well. I have enclosed a copy of both letters sent on XX/XX/23 and XX/XX/23 withXXXX XXXXracking showing a delivery receipt to Experian. I am maintaining detailed records of all my correspondence with them. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) states that Experian must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so, I am demanding that they remove the below six items from my credit report with Experian bearing my social security number. The six accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XX/XX/XXXX I requested for loan modification due to I was laid off XX/XX/XXXX and new job less half income. My account remained current in XXXX I received approval for trial payments. Per the letter step 1 I was to make payment no later than XX/XX/XXXX. I made the payment of XXXX as indicated by the date on letter even though trial was not to start until XXXX. I made 2nd payment XX/XX/XXXX and 3rd payment XX/XX/XXXX. US Bank reported me 30 days late for XXXX payment. If the letter had not indicated to make trial by XXXX I would have made my regular payment as always and trial on XXXX but that is not what the letter stated and US Bank will not correct I believe this is unfair and deceptive as the letter stated step 1 pay by 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 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I noticed my credit score had decreased by 66 points because of an unknown debt collections account, Kansas Counselors. The amount was {$1300.00} from a company I had never heard of, XXXX XXXX. I filed a dispute since I did not recognize either of these companies, and no prior effort had been made to collect this debt. None of my medical bills are ever that high since I have good health insurance coverage with XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, my dispute was denied by XXXX. I searched for Kansas Counselors online since their phone number was not provided to XXXX. Many XXXX Reviews call them a scam and accuse them of collecting on bills that had already been paid or were from different states people even lived in. I called them on XX/XX/XXXX, and they provided no information about my account other than it was from " XXXX XXXX XXXX. '' I asked them what it was for, what services were provided, and by whom, and they could not answer this information, which seemed like a scam. 

I called XXXX XXXX XXXX  and they had a past due bill for a visit to the XXXX I had on XX/XX/XXXX. Again, I had never heard from this company or any effort to collect this bill. This medical office billed separately from the hospital. I paid a {$350.00} copay to the hospital on my day of service. For whatever reason, XXXX XXXX XXXX had my health insurance information and did not bill them AT ALL. I asked them to adjust my bill with my correct information, and they said they wouldn't since it's been a year. I asked for an itemized list, but they also could not provide it. I called my insurance company and they said there was nothing they could do without XXXX XXXX filing the claim. 

Kansas Counselors is attempting to collect a debt that they know nothing about and can not validate. XXXX XXXX XXXX did not bill me correctly and sent me to collections. I still don't know what the physician bill was for. Anthem said they could do nothing without the medical office submitting a claim, which they refused to do. The man at XXXX XXXX was unhelpful, combative, and couldn't provide me with any information on what they were collecting on. I wish I had more information to upload, but my health insurance was the only company that could provide more details.

Company response to consumer: Closed with explanation