vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have been working on opening a school and once my business partner and I got to the point where we were ready to purchase our building for it he attached his external acct onto my savings acct that I had with XXXX by XXXX and XXXX. He then proceeded to transfer the funds that was needed to make the purchase and we went from there. Neither of us were aware that this violated XXXX 's policy for acct. to acct transfers. The online banking said that the transfer would go through in XXXX business days so we began to wait. I was emailed by the bank about an issue with the transfer, basically saying that since it came from a business acct it could only go into another business acct. I explained that I wasn't aware of that and asked what I could do to fix it. I was told that I could either send the funds back or I could simply close the account and request for all of the funds to be sent to me. This was back in early XXXX, I have gotten nothing but the run around since then. I was locked out of my account and can not see any activity that is going on in it, was told that it was forced closed etc. and then was contacted by a member from their review team XX/XX/year> and was Promised that my acct was being closed and that my funds were being sent via transfer to my external acct that was on there. Only for me to call the day before the transfer is supposed to go through and was told that one of the members there decided to send my funds back to the business acct and that they will then send the remaining funds. I asked for proof and was told that I could not get it as well as I requested to speak to the member that contacted me and was told that I could not. I explained that this was Never authorized by me and was considered to be theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The accounts payable department unapplied my payments ( 6 ) of them. No one can tell me why. The verbiage used was they went poof. I have been struggling to get this resolved since I identified it XX/XX/year>. 

They additionally are showing I am months behind when in reality, they have 11 months of payments from me. 

I keep getting the runaround and am told its a glitch that they are working on. Meanwhile my loan now has a higher principal balance than I financed and it shows I am delinquent on my loan. 

Please help me resolve this.

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 2024-10-04 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-04 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I reviewed my credit reports ( XXXX, XXXX and XXXX ) on or around XX/XX/year> and saw that LVNV Funding LLC has reported a collections account to XXXX ( see attached XXXX entry ). I checked my XXXX credit report and didn't realize that they reported the account as " closed '' in XX/XX/year> ( see attached XXXX XXXX ). I have never received any letter or correspondence from LVNV Funding LLC as an attempt to collect a debt prior to them reporting the account to the credit reporting agencies. I did receive a correspondence from XXXX XXXX XXXX on or around XX/XX/year> ( see attached XXXX XXXX XXXX XXXX ) stating that they are collecting a debt that I owe to LVNV Funding LLC. The letter from XXXX XXXX XXXX was clearly sent AFTER LVNV Funding LLC reported the account to the credit reporting agencies. 

Therefore, I didn't get a chance to request validation of the debt or an opportunity to dispute the debt which are clear violations of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Follow-up Dispute of Collection Account Request for Method of Verification To Whom it May Concern, I am following up on my previous dispute on ( XX/XX/XXXX ) regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agencys failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) & 611 ( A ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) & 809 ( A ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required my FCRA & 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: IN

Complaint narrative:
Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper XXXX Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect XXXX  record on my credit report three times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XXXX XXXX I submitted my initial dispute regarding the incorrect XXXX information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
XXXX XXXX XXXX I disputed the same item again. On XXXX I received an email from TransUnion stating that they investigated the record and found no changes. The investigation was completed in less than XXXX hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
XXXX XXXX  : I filed a third dispute. By XX/XX/scrub>XXXX  I received an emailsent at XXXXXXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This bankruptcy record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). XXXX practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

Sincerely, 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 2024-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
In 2023, I initiated a process to attempt to remove my PMI with a servicer. I submitted a complaint at that time, the process was never completed, and the mortgage was sold late last year to Lakeview Mortgage. I attempted to start this process again with them in XXXX. Since that time I've sent XXXX separate requests via their website, requesting either a call or paperwork to initiate this process, and in all but the first case ( which said in order to handle this process I needed to update my phone number? ) I was told I'd get some guidance within XXXX days ... which has never happened. 

I'm paying {$160.00} per month for PMI. The mortgage balance is {$410000.00}. Their own estimator is showing the value at {$660000.00} ... and their system does not even factor in that we finished the basement of the property and added XXXX square feet in living space ( which is when I initially attempted to get the PMI removed from the former servicer ).

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The morning of XX/XX/year> I woke to a withdrawal message from XXXXXXXX XXXX  stating our checking account was at a XXXX balance due to an ACH from Capital One for the exact balance in that account. I immediately verified the information and then checked all Capital One credit accounts to verify it wasnt a payment. After verification, I went to the local XXXX XXXX and began the fraudulent transaction process. As a result, they put a HOLD on the account and I had to open a new checking account. After returning home, I contacted Capital Ones fraud department at XXXX and spoke with a XXXX XXXX identification number XXXX. I explained the situation and he told me to let my bank handle it. I asked him to document the accounts of the situation. 

Prior to this incident, whenever I made a payment, the available credit would be updated immediately. This was not the case on XX/XX/XXXX which I thought was due to the fraud information they had probably received that morning. I was already stressed over the initial fraud incident but more so due to my husbands nonstop travel this year with the XXXX XXXX. This particular day, he was traveling from Delaware to Pennsylvania for another political event and would need a credit card to check in to the next hotel. As a result I contacted Capital One about making a cash payment which could update the account immediately and was instructed to go to my local XXXX and make a payment. I followed the directive and pulled {$1500.00} from savings and made the cash payment at XXXX. The clerk at the store stated they should receive the payment within XXXX minutes. This did not occur. I called Capital One back and was told, the payment would post at midnight and be available by XXXX. I called the next morning when it had not posted and was given a different response. I asked for a supervisor and she told me it could be days. I provided all the information from the cash payment receipt so they could begin the trace, since they did not see any incoming cash payment. Several days later I received documentation from Capital One requesting a copy of the payment information which I immediately returned via USPS. Fast forward to XX/XX/XXXX when a payment of {$2500.00} was made. To date, XX/XX/XXXX, Capital One still has not updated the available credit on this particular credit card. We are being penalized from Capital One ever since the unauthorized ACH withdrawal they processed the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: GA

Complaint narrative:
I had a bankrupcy removed from my credit profile my score went up by XXXX points XXXX, on XXXX the credit reporting agency dropped by score by that same XXXX points with no valid explanation, no accounts were reported late, no new inquires, no collections there was just no justification as to why the same XXXX points would have been taken away

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 2024-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : I have attached the following documents to support my request : In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you XXXX XXXX a thorough investigation of these items and remove them from my credit report. Ple ase provide me with a copy of my updated credit report once the investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Proof of identity Documentation proving my status as a survivor of 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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint because Citibank has locked my account and is preventing me from accessing it despite my repeated efforts to follow their verification process. After contacting Citibank via phone, I completed all the steps they advised for verifying my account. However, I was informed that I would need to wait for a letter containing a verification code to unlock my account. It has now been several weeks, and I have yet to receive this letter, even though I have received other unrelated mail from Citibank during this time. 

I have contacted Citibank multiple times to resolve this issue, but they have informed me that I am not allowed to verify my address, and I am also not permitted to go to a branch for in-person verification, even though I have all the necessary legal documents. As of now, Citibank is telling me that there is no way for me to regain access to my account. I am requesting assistance from the CFPB in resolving this matter, as I am being denied access to my funds without any feasible means of verification or resolution from Citibank.

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On Friday, XX/XX/XXXX I sent a wire transfer online for {$4900.00} to my wedding band. Despite having to verify my identity XXXX times while submitting the transfer, wells fargo flagged the payment as fraud, held the wire, and then locked me out of my online account. I called wells fargo, again verified my identity in multiple ways, and told them that this was not a scam and please release my money. Wells Fargo then said that they would send the wire transfer through but in order to unlock my account I had to go into a branch with a photo ID and have the branch XXXX call them to verify. I don't live within XXXX miles of a branch, as they could have seen with the address listed on my account. When I told them they said that was my only option. Instead of making a XXXX hour round XXXX XXXX to access my own money, I chose to shut down all of my accounts with wells fargo. They told me that the only way to get my money from my accounts was to receive a cashiers check that would arrive in XXXX business days. I worked with the representative to withdraw as much cash as I could through XXXX so I could live while waiting for the cashiers check to arrive. I was told I had XXXX pending items on my account, but those items would clear and no new charges would be added. There was approximately {$300.00} left in the account that should have been sent to me ( I have no way to know the exact number since wells fargo wouldn't let me into my account and they sent me no emails to confirm any of this ). A few days later, I got a notice that the wire transfer they said had gone through was actually canceled. I then panicked knowing my account had been closed and there was no where for this money to go. When I called wells fargo, they said that the wire transfer never existed ( despite me having the confirmation number ) and that when I closed my account a check for {$4300.00} was sent to me. The wire transfer was for {$4900.00} and I still had a positive balance on my account when it closed so where is the rest of my money?! Wells fargo won't send me anything via email and refuses to look into this further because they say the wire transfer never happened.

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