vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Had automatic monthly withdrawal set up from Marcus by Goldman-Sachs to pay my mortgage. Had sufficient funds for these transactions and had no issues with automatic withdrawals for 6 months. In XX/XX/2023, Marcus account was locked due to an internal fraud review with no contact made to me prior to or after this. I was unaware until I received notice from my mortgage lender that my account was XXXX. Marcus reversed my ACH payment to my mortgage lender 3 days after the payment was made. Upon finding out ; I verified my external accounts with Marcus to satisfy their review and was able to make a payment in XXXX and XXXX. The same situation then occurred again in XX/XX/XXXX, with Marcus reversing my mortgage payment 3 days after it was initially made. I was given no indication why I needed a second verification of the same accounts that had been verified in XXXX. My account remains locked and they were unable to resolve my issue or connect me with anyone to help resolve this tonight. I have had no formal contact from Marcus regarding these matters - no letters, no phone calls, no emails, which is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a merchant dispute with my bank for the transactions listed on the attached documents. 
The claim was denied sayin that the card was present and was authorized by me. When I opened the claim I was very clear saying that those transaction where authorized and made be me but the merchant NEVER sent the items. 
The bank never requested more information about the case or ask about it. 
Attached also goes the inovice and order receipt to support my case. 
This claim was handled in inappropriate way and didnt follow the transfer act and regulation E and Z, also didnt apply the chargeback procedures for this cases. 
Im Bank of the West customer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Car loan attempted in my name XXXX services attempted under my social Information compromised

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Good Morning I was Trying to Open An USAA account but can not because it say prior unacceptable account usage and if im not mistaking it years ago where I experienced identity theft I was young and a mother and I clicked on add. But i learned from it. I have been doing good but now its becoming a pest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XX/XX/22 .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XX/XX/22 .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On or around XX/XX/year> I was charged for a order with another following the next day if not days later due to a new credit card number my account with the company was flagged so they cancelled my order but the money taken was not funded back to the account on both orders this actually happens often and I thought I couldn't do anything about it.I have edocuments to verify my claim, company also made allegations of me recieving sevices or products in most cases but not for these 2 orders I also have previous records of statements which are not the same

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 2024-01-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
Pre paid gift card was bought in XX/XX/XXXX in XXXX and given to me the next day for my birthday form a friend, the amount is {$50.00}. I forgot about it and went to use it the other day XX/XX/XXXX and it was declined. I called the number on the back and they want me to send in a picture of the card which I did and a photo Id which I did not and dont feel comfortable doing that to a random website. After looking it up looks like a lot of people have the same complaint the company is prepaidgiftbalance XXXX. I called and spoke to 2 separate supervisors who told me 2 different things. Even more suspicious. It is a visa gift card supposedly through US bank. They are stealing from people and this is fraud. Most people wont send info in and in turn the company is pocketing the money because the funds are being used. Insane to me!

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 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
The loan has not gone down since I got it. I even had the interest changed but its still high

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Dear Consumer Relations : I am writing to dispute a charge of {$5800.00} to my Macys credit card account sometime in early XX/XX/XXXX. The charge is in error because Macys XXXX XXXX Department did not thoroughly investigate this concern and charged my account for items I did not purchase. 

On XX/XX/XXXX, XXXX, and XXXX XXXX, many fraudulent charges were made to my Macys card, totaling to the amount of {$2900.00}. These charges were not made by me, as I have not shopped at Macys the entire XXXX and XXXX of XXXX. It was not until I made a furniture purchase on Macys.com in late XXXX XXXX that I noticed these charges to my account and that all of this time I had been making payments to these fraudulent purchases and not my own. Upon inquiring with Macys customer service, these charges were made at my local Macys but I havent physically gone to the store in that entire time. I called Macys XXXXXXXX XXXX sometime in XX/XX/XXXX and spoke with a representative who reversed these fraudulent charges, ensured that purchases I made were correct, and closed the account for safety, and assured me that the store will conduct a thorough investigation to include checking the security cameras in my local Macys to find the person who stole my account information. Again, I was assured that this would be handled promptly and efficiently. Based on previous statements, I do not make large purchases like the fraudulent ones and am very mindful of how I spend. 

On XX/XX/XXXX, I received a letter from the Macys XXXX XXXX stating that they did not find the investigation in my favor and had reversed all the charges back onto my new Macys card. Not only did they reverse the charges, but they double charged my account for an unknown reason, totaling the amount to {$5800.00}.

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 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
i use paypal service sent money 2 x total of XXXX first time XXXX including fees then another 54 ones i sent to were blocked and was unable to access email was totld was given wrong email address paypal refused to refund money i have gone in cicles on issue since XX/XX/XXXX but paypal got rude and nasty to me complaint ref is XXXX im on XXXX XXXX so unable to do anything twice i think paypal stole money and kept for themselfs

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an existing savings account at marcus by goldman sachs. On XX/XX/XXXX, I tried to transfer funds from my marcus account to my own external checking account after finishing the external account linking process. The transfer was reversed and my account was blocked by marcus. i have no access to my account and have called marcus on a daily basis on how to resolve the matter. For over two weeks, no concrete solution was provided and people asked me to call back every other day without telling me what i should do and what happened. On XX/XX/XXXX, I was asked to filled out affidavit of identity form. I completed on XX/XX/XXXX and the tracking number has showed it was delivered on XX/XX/XXXX. Marcus by GS says they are reviewing and can not do anything to help. Their phone number verification has also problems ( verified XXXX threes and the forth day i call they said the number is not right and can not send the code ). It is been such a long time for me losing access to my account. The delayed transfer has caused large inconvenience and negative impact on my personal life. i need my funds urgently and want to unlock and complete the transfer of funds urgently ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Rushmore loan management has been deducting {$400.00} to {$600.00} per month since XXXX. This amount is labeled as XXXX of equal to 2 months of real estate taxes and homeowners insurance. We have consistently paid these privately for the entire time. Our homeowners insurance is bundled with our XXXX with XXXXy insurance. We pay our real estate taxes the XXXX XXXX XXXX website via XXXX. We have even mailed a written request to stop this and to tell us what they are doing with the money. I did this in XXXX when I was unable after several attempts to reach them by phone. And again XXXX XXXX. At this time I provided documentation of all to a real estate lawyer. She was unable to get a response, and she is not a trial lawyer. Rushmore just sent me a letter stating that our XXXX  has a shortage and therefore our mortgage payments are increasing! This after I spoke with them in XXXX, they said they would correct and sent us a check for {$2000.00}. If you do the math, they owe us thousands!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with XXXX XXXX XXXX Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.

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 2024-01-21 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: CITIBANK, N.A.
State: NE

Complaint narrative:
On Friday, XX/XX/2024 I called the fraud number at Citi card. I told them there were a number of fraudulent charges on my card dating back six months. I did not make these charges, most of them were from out of my home state. My card is maxed out at {$22000.00} and Citi Card said I owed them {$680.00} on XXXX XXXX. I was transferred around several times and finally got to an agent who said I would not be liable for the charges. 
Today, CitiCard sent me an email stating : Hi, XXXX. Based on the dispute you asked us to review, we've adjusted the Minimum Payment Due for this month. 
Your new Minimum Payment Due by XX/XX/2024 is {$680.00}. 
How your new Minimum Payment Due was calculated Your new Minimum Payment Due was recalculated based on the total new balance from your most recent statement, minus the disputed amount. 
This adjustment doesn't reflect any payments you've made since your last billing statement. 
If you've made a payment already, you can view your updated balance anytime in the Citi Mobile App or Citi Online.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Since XXXX I have submitted disputes via mail with a notarized letter verifying my identity with bank statements, pictures of my identification etc.. I get the same results every month that they can not verify my identity which is causing my to personally suffer with my family to get. They refuse to investigate my disputes which now I am considering pursuing legal actions.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
All because Affirm ( XXXX ) credit card machine is not working. They have been threatening me by sending me threatening emails and text messages saying they are going to report negative remarks on my credit. 

When I first signed up with Affirm XX/XX/2023 I was told to place two credit cards on file. I put my XXXXXXXX XXXX  card and my Bank card. I was told I can pay with either card. I made my initial payment with my XXXX XXXX  card XX/XX/2023. I made my next payments with my Bank card. XX/XX/2023 I needed to make a payment with my XXXX XXXX  card. I went online I made my payment. 

A month later I get call from Affirm saying that I was late. I called AffirmXXXX back I spoke with XXXX on XX/XX/2023 who told me their Credit card system was not working. Case # XXXX. I explained to him this is not my fault. I need to make a payment with my XXXX XXXX  card that is on file. He got upset. 

After I spoke with XXXX I started getting all these threatening emails. Affirm continues to harass me about late payments. I am really stressed feel like they are blaming me for their Credit card machine not working. 

Affirm tried several times to debit my bank account without my permission and/or authorization. That is against the law. That is fraud. I have sent them several emails explaining to them this is not my fault. I have to pay with my Credit card that was on file. I asked them to please stop sending me all those threatening emails and text messages. I also told them do not debit my Bank account without my permission and/or authorization. I made my payments with my Credit card that is on file. Again this is not my fault. 

I have tried to cooperate with them. I told them right now I have to pay with my Credit card. I can not pay with my Bank card at this time. I have never tried to get out of paying. I have paid on time and never been late. I just need to pay with my Credit card that is on file. I told them once your Credit machine is back working please let me know. 

Affirm continues to bully me, harassed me, and threatening me. I am exhausted. I am completely stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My card was used to rent a car in the XXXX, I was in XXXX at the time. i dispute the transaction but the wrong amount was entered. i went back and forth with XXXX XXXX and no one ever said i need to file a police report. which i did in XXXX all fees are associated with that charged. i didn't pay the bill because i didn't cause the problem

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