vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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:
Hello, I would like to report a serious and it seems like consistent and repeated accounts done by Marcus by Goldman Sachs online banking. I have XXXX online savings accounts ( XXXX joint ) and XXXX CD with them and all of a suddent earlier this week I got an email stating that the preferences on my account have changed and if I didn't make the change I should called them to notify. I called as I was worried that someone may have logged into my account and all of a suddent they tell me as they can no longer " verify '' my account with the telephone on the account ( which is still the same phone line and the line I used to called them ), they will need to lock my account and freeze all operations. In this process of the phone call, they asked for my name, DOB, last four of SSN, and secret word for proection/privacy that you create when you sign up for the account to verify my identity over the phone. They told me not to worry and that someone will be in contact 1-3 days.

I wait anxiously worrying about my funds as those are most of my savings and savings for my abroad wedding which I am leaving for next week. No call back no email - nothing. I called them again for more information today and they told me that my case has been " esclated '' and I need to send a notarized affidavit of identity to the address and the form has been mailed to my address which will take 7 days. Their website is not available/available for login abroad so I asked if there is a way for me to send the form today expedited and I was able to find a form online to do so. I rushed and spent extra {$30.00} to send the form as fast as I can to be arrived this Saturday so that my account could be unlocked and managed next week. 

My partner who has a joint account with me at Marcus calls today to take out some funds for the wedding and is told that he can not transfer anything as my account is locked and that until they review the affidavit which can take 7-10 days there is nothing they can do. I tell the situation of going abroad and wedding and nothing is being done. Again we are asked all these questions about our identity over the phone like last four SSN, DOB, and others to " identify '' us. I am speechless here in that when I am willing to provide more information and such there is nothing they can do to unlock my account and for me to gain access to these funds which I desperately need for the upcoming wedding next week before I leave the country. Any advice/help is appreciated. We probably talked to over 6 people over this week and many calls/chats to Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Regarding complaint XXXX, I filed a very confusing and lengthy school misconduct form. I checked my Navent account and they are denying the request but not indicating as to why. They only state : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.

Clearly there is misconduct from the schools I attended because all loans that were not private have been discharged. They are not providing the basis or indicating that I can appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner and not accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no connection to these inquiries or the creditors listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: LEXISNEXIS
State: WI

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT MY NAME. Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy. 15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. I looked at my Transunion credit file on XX/XX/year> and noticed some incomplete, inaccurate, and negative reportings. According to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, lf, 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. According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing these items of information

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 2024-08-21 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:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I had a CD mature and the disbursement proceeds of {$100000.00} were deposited in my Huntington Bank non-interest bearing checking account XXXX XXXX I wanted to transfer all of the {$100000.00} to my high interest bank account at XXXX XXXX which was a verified external bank account associated with my Huntington checking account ( I have transferred money between these same XXXX accounts in the past without any problem ). I was informed on the phone by Huntington Bank that I could transfer {$50000.00} per transaction for a total of {$100000.00} per day. So I set up XXXX online banking transfers of {$50000.00} transfers ( totaling {$100000.00} ) XXXX XXXXXXXX transferring the money from my Huntington XXXX account to XXXXXXXX XXXX and scheduled another transfer of {$5700.00} form Huntington to XXXX XXXX XXXX XXXX XXXXXX/XX/year> I received an emails from Huntington Bank stating that my XXXX Banking account was " suspended for use with your Huntington accounts '' and the transfers had been " stopped ''. Upon calling Huntington I was told to personally bring a current XXXX bank statement to a Huntington branch which i did XXXX XXXXXX/XX/year>. So now Huntington says I must wait an additional XXXX to XXXX business days for Huntington to unsuspend my XXXX account. THIS HUNTINGTON TRANSFER SITUATION IS ILLUSORY. I will lose interest on my money while waiting and Huntington gets use of my money for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In a accordance with the fair credit reporting act this account below has violate my federaly protected consumer right to privacy and confidentialy under 15 USC1681 account name XXXX XXXX and my account number is XXXX According 15 USC1681s-2 ( a ) ( 1 ) a person-shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inacurate

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 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We have had a mortgage with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and its various successor loan servicing companies ( XXXX, NewRez etc. ) since XX/XX/XXXX, with XXXX mortgage accounts covering our monthly payment. 

In XXXX, XXXX offered us a loan modification changing our payment into a new amount and XXXX account as against the previous XXXX. We continued to pay without fail. 

In XX/XX/XXXX ( XXXX years after the loan modification ), we sold our house and requested payoff amount from NewRez, XXXXsuccessor company. We duly settled NewRez on the payoff and requested that the mortgage liens be released. 

They released only XXXX XXXX and informed us of a second loan and that we had to contact Shellpoint Mortgage Servicing ( Shellpoint ), to whom the loan was transferred in XXXX, to resolve. 

This was our first time ever of knowing there is any separate account since the loan modification or any outstanding balance. 

Key issues for us : XXXX. Why did XXXX display only XXXX account for us to pay after the modification, as against the XXXX loan accounts we were paying before the modification. This conveyed the impression that that was our total indebtedness after the modification. 

XXXX. Why was there no form of communication from XXXX to us as customers regarding the outstanding balance from XXXX ( year of modification ) till XXXX ( XXXX years ), the year they claim to transfer to Shellpoint. Why did XXXX not provide us Statements of Account and other evidence of indebtedness for any other balance? 

XXXX. Upon transfer to Shellpoint and thereafter, why did Shellpoint never send us Statements of Account and other evidence of indebtedness ( 3 years )? 

Kindly note that these servicing transfers are not arms-length transactions as Shellpoint is XXXX business Division of New Rez. So, it could not have been a case of them not knowing of the existence of the so-called accounts. 

We allege predatory lending, oppressive ambush and violation of basic principles of fair disclosure in Lending to the customer. We never knew of any Account Number with Shellpoint, any amount of indebtedness, any interest rate on the account, basis of any nterest rate accrual, if any etc. 

Waiting till our Sale of property to just produce an account number and an amount ( {$81000.00} ) that we were never aware of has caused us immense financial and emotional hardship. 

We kindly implore and request the Consumer Financial Protection Bureau ( CFPB ) to please use their good offices to prevail on Shellpoint to correct this injustice by directing them to release the lien on our property and release our money to us. 

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These late payments don't align with my typical payment history.

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 2024-08-21 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: WI

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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