vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I filed a dispute with Goldman Sachs for a {$960.00} transaction with XXXX XXXX XXXX, aka XXXX XXXX XXXX. The reasons for the dispute were that a ) the salesperson XXXX XXXX misinformed the consumer that the merchandise could be returned for a full refund without issue and b ) on XX/XX/2023, XXXX XXXX did not issue a refund for all of the items that were brought into the store to be returned. As such, a dispute was opened on the same date with Goldman Sachs. XXXX XXXX from XXXX XXXX XXXX, after filing the dispute and also on the same day, wrote a sincere apology via email ( attached ), admitting fault for and accepting responsibility for XXXX XXXX XXXX XXXX negligence on behalf of XXXX XXXX XXXX. As of XX/XX/2023, XXXX XXXX, the store manager at the XXXX XXXX XXXX XXXX XXXX location, confirmed via email ( attached ) their receipt of the return, as communicated to her by her team. On XX/XX/2023, I received email notification from Goldman Sachs that the merchant had responded. Via Apple Card chat and also on the same date, XXXX, an Apple Card Specialist with Goldman Sachs Bank USA, was unable to provide the merchant 's response, leaving the consumer without an opportunity to address the merchant evidence. In the past, there has been at least one Apple Card dispute in which Goldman Sachs wrongly sided with the merchant due to fact that they merely replied with their policy, which failed to address the original grounds of the dispute. When asking XXXX " Can I provide additional documentation showing that I am owed a refund for the return?, '' which has now also been attached to this complaint, no such opportunity was directly provided by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NY

Complaint narrative:
The information I have with equifax has been breached. They refuse to remove the inaccurate information after finding out I was a victim of their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE wire transfer of amount XXXX INR ( XXXX USD ) was debited from my account on XX/XX/XXXX as approved by me to be credited to an account in XXXX XXXX XXXX XXXXXXXX ( XXXX ). Since XX/XX/XXXX I have been sending messages to the CHASE Research Wire Department of my communication with XXXX and the confirmation that they did not receive any money in any of their accounts from that amount around the time sent. XXXX requested the XXXX document which I requested from CHASE. When I sent XXXX the document they said it was not an XXXX, but simple a receipt that would not help them trace the money. XXXX suggested that the money was held up in the intermediary bank of CHASE. I asked CHASE to confirm if their intermediary bank in Delaware sent the money. Its been 1 month now and CHASE has since stated that there are not receiving response from XXXX or the intermediary bank of theirs on whether the money was sent to XXXX. I have attached all my communications with XXXX managers via secure messsage chat on CHASE portal for proof that XXXX did not get the money, No one from the CHASE wire department will speak to me directly. I also called the escalation team this week and they called me and say is the wire department was vague and said they have not received any response from anyl of the involved banks. The CHASE Research Wire Department number is XXXX. CASE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
2. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
In XX/XX/XXXX I refinanced my home with FREEDOM MORTGAGE with the help of INLINE LENDING who handled all the paperwork. Because of XXXX they sent a XXXX to the house to have all the paperwork signed. We signed all the necessary paperwork, or so we thought, and the loan was processed. In XX/XX/XXXX I received an email from XXXX XXXX XXXX saying that they needed my signature that was missed and that they wanted me to have that document signed, to which I said OK. I then received a voicemail from a XXXX addressing me as XXXX saying that they would meet at a given location ( XXXX is my wife ). XXXX immediately checked with her attorney who advised her not to sign ANYTHING since I was going through a bankruptcy. Mind you I was the ONLY one on the loan and I was the ONLY ONE declaring bankruptcy. 

Since then we have received threats of the loan being called and foreclosure on the property. They also sent me a copy of a document that I signed saying that I would fix any errors that were made, however that document was only good for 365 days after the loan closed. They have also said that we intended to defraud Freedom Mortgage so that we could benefit from the missed signature in some way and that is not true... we did not even know that we missed a signature. 

The fact is that they neglected to do their due diligence and check all the documents prior to processing the loan. According to HUD rules when they accepted our payment of the closing costs they accepted the responsibility of ensuring that ALL THE PAPERWORK was in good order... .IN SHORT THEY PUSHED THROUGH A FRAUDULENT LOAN, BUT THEY ARE TRYING TO BLAME US FOR THE MISTAKE. 

On a separate note they also list my Ethnicity as XXXX on the loan which is far from the truth. 

I am attaching a copy of an email I received from an attorney saying that I need to comply with their requests of face eventual foreclosure of my home for a mistake that THEY made. They have intimidated, threatened and harassed me and my wife for the past few months and they continue to indulge in unethical business practices. Please address this problem... ..Thank you ... 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 2023-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN

Complaint narrative:
The bank arbitrarily froze my account and there is no way to get in contact with the department responsible. All I am able to get is the vague promise that they will reach out to me to review what is going on, and in the meantime I am completely locked out of my account. I can not even access basic services like statements and in the meantime my money is tied up indeterminately and I can not access it at all. 

I was told this " review '' process can take up to 90 days, which is completely unacceptable for an account where I have my money to pay monthly dues. And the only way to get past the block is to wait for a call that will come at the bank 's discretion since I can not initiate the communication myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
capital one went to a new system and since has been sending personal/private banking transactions to an non secure email account. they refuse to stop. even though they send it by https, that is only for the transmission through all of the nodes it must pass, it is not end to end. when that transmission is stored, it is stored in plain text free to the world of miss fits to hack. the email is not encrypted end to end so open to the world for data mining. no body needs to know i paid this or that or transferred this or that. i do not need that information since i already have it secure on the banks site and my account which only i have access unless the bank is hacked, harder to do than hack email. 
i went through the XXXX  of virginia and the attorney general office of consumer affairs of XXXX and yet capital does not respond or thumbs the nose up at powers to be and has no concern for customer data. i never gave them permission to do this! 
correspondence to : capital one XXXX XXXX XXXX XXXX XXXX, VA XXXX too many phone calls and different phone numbers and countless agent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
I have requested toLCI, Lundquist Consulting , Inc. to freeze and delete my personal file they have on me. I have reached out to them with certified mail and phone calls at XXXX with no response. I then went on to the opt out page online and put my name and email in to opt out and got and error message. I then call another number at XXXX and left messages again with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I noticed on my recent statement that PayPal charged me a late fee after not making the minimum payment by the due date. I scheduled the payment onlinein advancefor the next day. They did not make me aware that they would charge me a {$41.00} late feethe next dayif I did not make the payment by the due date. When I tried to get in touch with the company, their customer service number was busy ; I called multiple times. Their online chat also was no help. I tried logging into my account today to see the balance and it is down for maintenance. 
I have been a customer for years and don't remember ever being charged a late fee. If they are going to charge a late feethe next day, they should at least have a reminder on their website for people who schedule payments in advance. I would have just dated it for the due date since it was only one day off. To sneakily charge late fees the next day, then have their line be busy so they don't have to deal with customers, is a shady business practice.

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 2023-11-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have {$3900.00} worth of charges on my Wells Fargo Visa credit card that I didn't place. I've disputed the transaction with Wells Fargo but they've denied it twice saying the the credit card chip was used at the location therefore it had to be me. The place it was used at is called XXXX XXXX XXXX. When I XXXX this place, the only thing that comes up is an Instagram account for a food truck called XXXX XXXX XXXX  located in XXXX XXXX or XXXX, Florida. The transactions were for {$1000.00}, {$500.00}, {$900.00}, {$1000.00} and {$500.00} all made on XX/XX/2023. This was a Sunday so I do have XXXX rides made that day to XXXX XXXX and back home. If I had the time those purchases were made I could probably prove I wasn't at that location but Wells Fargo couldn't provide that for 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 monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requests sent to update my personal information and my address with all XXXX credit bureaus and as of Today XX/XX/23 XXXX and TransUnion have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with XXXX and XXXX and TransUnion the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with 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 2023-11-30 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: TX

Complaint narrative:
Requests sent to update my personal information and my address with all XXXX credit bureaus and as of Today XX/XX/23 Equifax and XXXX have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with XXXX and Equifax and XXXX the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requests sent to update my personal information and my address with all 3 credit bureaus and as of Today XX/XX/23 XXXX and XXXX have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with Experian and XXXX and XXXX the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with 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 2023-11-30 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: MD

Complaint narrative:
I asked the consumer credit reporting agencies ( XXXX, Equifax, XXXX ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: MD

Complaint narrative:
I asked the consumer credit reporting agencies ( Experian, XXXX, XXXX ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts 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 2023-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have {$500000.00} in a high interest rate online savings account with BMO XXXX. I initiated a transfer of {$250000.00} from this account to another institution. On XX/XX/XXXX, BMO locked my account for fraud detection. I understand the reason for locking it. However, my account has been locked for nearly five weeks with zero communication from the BMO fraud department. I immediately called the online savings phone number on XX/XX/23 ( XXXX ) to notify them that the transfer was indeed initiated by me and not actual fraudulent activity. They gave me the fraud departments phone number ( XXXX ) to call to handle it with them. For the past 32 days as of the date of this statement, I, as well as my wife, have alternated calling this number countless times trying to get through to the fraud department. When we call the number, the BMO recording comes on and we sit on the call for about 7.5 minutes before a recording comes on saying the voicemail is full and to try our call again later and then disconnects. Both my wife and I separately have explained this to the customer service line and they tell each of us to just keep calling until we get through. One representative told my wife that he would give the fraud department my name and number and that they would be calling. I have yet to be contacted by the fraud department. Both my wife and I have made attempts to speak to a manager in the customer service department to escalate this issue. Each time were told there is no manager available and to just call again later to see if a manager is available at another time. I even went into a local branch trying to get help. No one either can or they won't help. So, what do we do? I can't even close the account because it's locked for fraud. And why has BMO not taken the initiative to contact me about suspected fraudulent activity like other banks do? BMO is fraudulently holding my money against my will. Or they've stolen it.

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