vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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:
We opened a High Yield Online Savings Account with Marcus by Goldman Sachs. This account was opened in XX/XX/XXXX under our names ; husband and wife. 
We have been unable to access any of these funds because the company stated that they are unable to identify our information ( correct identification was given when the account was opened ). After numerous phone calls over the last month we have been unable to get the Affidavit of Identity that was promised to be mailed to us several times but did not arrive. In a phone call to Goldman Sachs on XX/XX/XXXX the representative admitted " the form did not get fully processed '' Today. XX/XX/XXXX, we finally received the form. 
We have been adversely effected by their irresponsible attitude toward us and the money we trusted with them and planned on using to help us pay bills. We requested that this account be closed as soon as possible and the money returned to us as quickly as possible ( preferably transferred back to XXXX XXXX XXXX XXXX where it came from ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had the Chase Freedom Unlimited CREDIT Card for more than XXXX  Years. It has always Automatically Declined when I reached my limit. 
Suddenly, several months ago, Chase Credit Card Services decided to LIFT THE AUTOMATIC DECLINE MANUALLY, AND BEGAN LETTING MY CARD SEND CHARGES THROUGH FOR XXXX  WEEKS, WHICH CAUSED MY SCORE TO DROP XXXX  POINTS. 
I TOLD THEM THEY COULD NOT DO THIS LEGALLY UNLESS I HAD " OPTED IN '' FOR OVERDRAFT CHARGES. FREEDOM REPS STATED CONSUMER BANKING LAWS WERE NOT APPLICABLE TO THIS DEPT, OR CHASE BANK. 
YOU CAN NOT ASSIGN OVERDRAFT CHARGES THAT CAUSE A CONSUMER TO EXCEED THEIR CREDIT LIMIT. 
IT IS THE CUSTOMER 'S RIGHT & CHOICE TO CHOOSE WHETHER CHARGES WILL GO OVER -- NOT CHASE BANK. NOT ANY BANK. A CUSTOMER SHOULD 'OPT-IN ' BY EITHER WRITTEN OR VERBAL/ORAL CHOICE TO HAVE CHASE CREDIT CARD SERVICES 'ALLOW ' CHARGES WHICH EXCEED THE CREDIT CARD 'S LIMIT... TO GO THROUGH IN SPITE OF THE CREDIT LIMIT IMPOSED BY CHASE BANK UPON THE ORIGINAL ISSUE DATE OF THE CREDIT CARD. 
GOING OVER THE LIMIT IMPOSED BY THE BANK IS RUINOUS TO A CUSTOMER AND CHASE PUNISHES CUSTOMERS FOR DOING THIS. THEY ARE NOT ALLOWED TO USE CHASE FREEDOM UNLIMITED AT CHASE ATM MACHINES AND BLOCKED FROM ALL OF THEM PERMANENTLY. IT SHOUKD NOT BE PERMANENT, BUT IN MY CASE, IT WAS. I wrote to the Office of the Comptroller of Currency about refining this law we had previously worked on a XXXX ago in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE THIS COMPLAINT WITHOUT PROPER VERIFICATION AND RESOLUTION.

15 USC 1681 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-12 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: NY

Complaint narrative:
TRANS UNION ONCE AGAIN REVERTED TO A 30-DAY LATE ON MY REPORT WHEN THEY REMOVED IT LAST MONTH. TRANS UNION DOES THIS EVERY OTHER MONTH AFTER SEEING THEY ARE REPORTING INCORRECTLY. THIS HAS BEEN AN ONGOING ISSUE SINCE XX/XX/year>. PLEASE ESCALATE TO THE LEGAL DEPARTMENT. SEE SCREENSHOTS AS PROOF THEY ARE RUINING MY CREDIT WITH THEIR INACCURATE REPORTING!!!!!!!!!!! XXXX HAS REPEATEDLY SENT NOTICES EVERY OTHER MONTH ; THIS ISSUE NEEDS TO STOP!!!!!!!!!!!!!

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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Transfer issue from XXXX XXXX XXXX Santander Bank 1 ) On XXXX was opened an account with Santander Bank Personal Signature account # XXXX with Manager XXXX XXXX from branch XXXX, located on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 2 ) Once account was stablished notice on XX/XX/XXXX activity of transfers between Santander Bank and XXXX XXXX of XXXX credits for XXXX cents each and XXXX withdrawal of XXXX cents steps to stablish bank communication electronically 3 ) On XX/XX/XXXX receive an email from Santander Bank congratulating me announcing that I can start transferring funds to this new Santander Personal Signature account # XXXX 4 ) On Saturday XX/XX/XXXX was initiated from Santander Bank, N.A, SANTANDER SELECT MONEY MARKET SAVINGS account ending XXXX request of {$25000.00} to XXXX XXXX from account ending - XXXX, after the request was placed at that point in Santander Bank website I notice the status on the transfer details was in process mode, I understood it was normal because it was a weekend non business days 5 ) I continue monitoring every day the transfer activities from XXXX XXXX and Santander Bank until I notice activity on XXXX from XXXX XXXXXXXX XXXX XXXX account ending XXXX activity of preauthorized XXXX SANTBK XXXX XXXX XXXX XXXX XXXX, resulting in a - {$25000.00} transfer to Santander Bank 6 ) on that same day XXXX start to monitor my account in Santander Bank to see the transfer , but the transfer status notice that the request transfer details has changed from ( in process ) to ( canceled ), on same day was called Santander XXXX XXXX XXXX and made a complain about this issue, as well I call the Santander Bank security spoke to XXXX XXXX asking to investigate this transfer after her preliminary reports I was told XXXX is holding the fund and will ask ACH 7 ) I was told by XXXX XXXX XXXX that the investigation has to start from XXXX XXXX which I did, and inform to bank Santander they provide me back a temporary credit until they finalice their investigation, investigation is finish XXXX XXXX remove the credit and sent me a letter saying Customer should resolve with Santander Bank to investigate as to where the funds are at Santander Bank, their recomendatios is to trace the ACH # XXXX Santander Company ID # XXXX XXXX ID transaction XXXX XXXX ) Mon XXXX about XXXX spoke to XXXX from Santander Bank told me he was able to find report from XXXX and left her a message to call me tomorrow XXXX phones that I provide Please Help 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've just recently checked out my credit report and noticed that my old accounts that are closed is still on my report its been charged off and closed but never been removed this issue has become a problem and actually dropping my score and hindering me from being able to apply for on going 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've just recently checked out my credit report and noticed that my old accounts that are closed is still on my report its been charged off and closed but never been removed this issue has become a problem and actually dropping my score and hindering me from being able to apply for on going credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: WA

Complaint narrative:
Disputed account XX/XX/year> Requested evidence of account XX/XX/year> Dispute erroneously rejected XX/XX/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 2024-02-12 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: CA

Complaint narrative:
someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have paid down debts in the past 3 months and planned to use my care credit from synchrony bank for XXXX. I have had a limit of XXXX and no late payment on any card or major increase on any cards. Synchrony took away more than half of my usage amount and dropped my credit score into the trenches of XXXX due to this. I have no notice and no alerts. Although I have opted into alerts. I called them and waited on the line for over an hour and was disconnected. The time zone I am currently in is XXXX and it had been hard to work my XXXX hour shift and continue to follow up with them. If they disconnected me in my concern they should return my call but I got nothing more than left on the line until the line disconnected.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Adverse Action Dear Capital One, N.A.

I, the consumer, and natural person, was denied credit by Capital One, N.A. when I applied for credit.

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One, N.A. due to response I received. Capital One, N.A. is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One, N.A.

If Capital One, N.A. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Capital One, N.A. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
XXXX XXXX XXXXXXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
ON XX/XX/2022 SOMEONE PRESENTED TO NAVY FEDERAL CREDIT UNION A FORGED SIGNATURE ON A IRS TREASURY REFUND CHECK.DATED XX/XX/2022. 
HOW THEY GOT THE CHECK I DO NOT KNOW. I HAVE CONTACTED THE CREDIT UNION SEVERAL TIMES BY PHONE AND MAIL, BUT I HAVE RECEIVED NO RESPONSE FROM THEM. I WANT THEM TO CHECK THE ACCOUNT THE MONEY WENT INTO AND THE SIGNATURE OF THE PERSON WHO CASHED THE CHECK. IN ADDITION, FOR THEM TO MAKE RESTITUTION TO ME FOR THE FORGED CHECK. THE CHECK WAS IN THE AMOUNT OF {$610.00}. PLEASE SEE ATTACHED DOCUMENTS. 

I AM THE ADMINISTOR FOR THE DECEASED PERSON ON THE CHECK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In regards to Freedom Card Chase bank, I submitted a billing dispute noting that there was a balance in excess of {$1.00} and requested a refund of that amount per 15 U.S. Code 1666D. I received no response from Freedom Card. They have denied me use of my card and stated they would charge this alleged debt off. They are send fraudulent information regarding this account stating I owe them when Congress has determined that the balance is owed me. Account # ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NV

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must delete the listed account from my file. 
XXXXXXXX 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 2024-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
XXXX updated. 
XX/XX/XXXX Balance {$680.00} Balance updated. 
XX/XX/XXXX This is a charged of account I have made several attempts to have this debt removed from my credit report. I have Paid XXXX XXXX XXXX countless fees to have this issue resolved. 
I received several calls and voice mails from this debt collector after asking them repeatedly to stop calling... 
After multiple requests for the original documentation providing my original wet signature this debt collector has failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-12 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: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 
15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
With a credit XXXX  score of XXXX prior to applying for a Wells Fargo credit card ( its now XXXX ) I was declined. I was told that it was information contained on my XXXX report, yet my credit is excellent this is the same bank with dismal on line consumer reviews that was fined billions by the federal government for customer fraudulent service charges. Everything with regards to this complaint was a form of deterrent from any such complaints. I have been on the phone for more than an hour. Last person was a XXXX  representative XXXX and the case number is XXXX I think I was declined for reasons other than my credit score and consumer decency. This bank is dishonest to the core. I am appalled that my credit and other personal details are being discussed by XXXX  representatives.

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 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.

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