vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened a Marcus by Goldman Sachs online savings account around 6 months ago and i have been depositing money into it until now. Today i tried to withdraw the {$10000.00} i had in that account back to my Checking account because I need to pay off my Auto loan. Marcus told me they cant verify my number and then that they need to start some investigation that will last 3-7 business days. There is nothing to investigate. My number hasnt changed, it has always stayed the same and it has always worked for the verification text messages. I called another 2 times and kept getting transfer over and someone kept promising to call me back which they never did. Horrible experience and extremely frustrating because all i want is to have access to my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-08-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Twenty-two withdrawals totaling {$4700.00} were fraudulently withdrawn from my checking account though XXXX transactions on XX/XX/year> by an unknown person not in my contacts. Chase sent me a notification that a withdrawal of {$250.00} was cancelled because they couldn't verify the payment. Why were 22 other withdrawals to the same person allowed to be made? I immediately called Chase and it took them quite a while to stop payments. Chase said my facial recognition authorized these transactions. I confirmed with XXXX that there is absolutely no way another person could use my face recognition. An IP address of the fraudster was not provided. The only other information Chase provided was a list of the withdrawals including reference numbers. The fact that the large number and type of transactions are not common on my account clearly points to fraud. Chase 's website states the following : With Chase 's Zero Liability protection you won't be held responsible for unauthorized charges made with your card or account information. 

I have been a customer of Chase for over 30 years and trusted my money with them. I am XXXX XXXX XXXX and this has taken a toll on me. Please have Chase return the {$4700.00} I have attached documentation supporting my claim. Thank you for your efforts on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a request to my mortgage loan provider, Newrez, for a forbearance on my loan due to a short-term loss of income and to complete process for my PMI to be remove from my mortgage which I was working with my previous provider before Newrez bought my loan. On XX/XX/year>, I received a call from Newrez ( XXXX ) loss mitigation specialist, XXXX XXXX. He called to make me aware they receive my paperwork for forbearance and that he was going to ask me some questions to finalize the process. I spoke with him for 20 minutes. He went over that I was approved for my forbearance due to loss of income and that my PMI would be removed starting in XXXX. I was told to call him back because he was my point of contact in " late XXXX '' to restart my payment on XX/XX/XXXX and to get my owed payments deferred. On XX/XX/year> I received a notice from Newrez that my mortgage was in default and 60 days late. I called XXXX XXXX and left a voicemail on XX/XX/year>. I didn't receive a call back so I called again on XX/XX/year> and left a voicemail. I didn't receive a call back so I called the general line to Newrez to ask about the status of my loan. I spoke to a representative that told me it doesn't look like forbearance was approved and XXXX XXXX would call me back at XXXX on XX/XX/year>. On XX/XX/year> at XXXX, I received a call from XXXX XXXX and spoke to her for 24min. She made me aware that XXXX, mistakenly put my status as no longer needing forbearance so that is why I was receiving letters. XXXX resubmitted forbearance paperwork and let me know I would pay my next payment on XX/XX/year> and the money owed would be put on the back end of my loan. Additionally, they don't see my payments for XXXX and XXXX that I made. XXXX was paid on XX/XX/XXXX according to my bank records at XXXX and XXXX was paid on XX/XX/XXXX according to my bank records at XXXX. 
My current status is Newrez at reported my payment history to credit bureaus as 90 days late, they're claiming they didn't receive 2 of my payments that show under my bank activity, my PMI still isn't removed, and they're not submitting the forbearance paperwork they approved.

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 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
Unauthorized Credit Inquiry by XXXX XXXX XXXX OppLoans  I am writing to file a complaint regarding an unauthorized credit inquiry conducted by XXXX XXXX XXXX OppLoans XXXX Despite explicitly instructing OppLoans not to proceed with my loan application or conduct any credit checks, they ran my credit report without my consent. This unauthorized inquiry has negatively impacted my XXXX XXXX and violated my privacy. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, hold the responsible parties accountable, and ensure that appropriate corrective actions are taken to prevent similar occurrences in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
Letter sent to remove inaccurate and non mailable addresses and names

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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I did two purchases in 2020 I had a claim and stores gave the money back to the Bank of America credit card and card still charged me those money. I want the bank refund me my money that I double paid.

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 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XX/XX/year> two men in State of Michigan uniforms blocked me in my driveway and asked for me by name. I was served with a judgement not mine and told that I was obligated to pay it that day because of a new Supreme Court ruling. I was asked to pay the judgement that day. It was also relayed to me that day that my personal assets were being seized because they had been looked up in their data base and were " going ''. I am a XXXXXXXX XXXX and the non debtor. The state of Michigan attorney generals office told me that the state never sends armed debt collectors who don't show identification to private citizens homes in order to threaten them and ask for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The accounts above have violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2024-08-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The accounts above have violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am the co-signer for this account. The primary is in XXXX XXXX XXXX  XXXX. Due to this situation I contacted care credit told them about the primary and was told that I could have access to the account with the account number and register for online access. My information is linked due to being the co-signer that incudes my social security number. Due to the primary not paying, my credit has been negatively impacted already. I have tried to do the right thing and pay off a debt that is not mine. I called again and was told that the email just needed to be reset and I would have access to the online account. This did not work. I have been told multiple times at this point that I would have access to the account in order to set up payments. After talking to a supervisor I was told that I was misinformed and the primary is the only person who has access to the account despite me being the co-signer and my social and credit being impacted. As a victim of XXXX  XXXX, being the co-signer, trying to do the right thing and pay for debt that is not mine, and being misinformed, this situation is absolutely mind blowing and unacceptable. To add insult to injury the supervisor stated I could still make payments over the phone. This is not a way to communicate or handle situations like 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 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARC Management Group, LLC
State: LA

Complaint narrative:
In XX/XX/year> while observing my credit a company ( Arc Management Group ) falsely reported to my credit that XXXX owe {$1500.00}. XXXX ask them to provide a contract with Arc Managment Group and XXXX wet signature. They have yet to provide that information to me and by law they cant, so it must be removed, IMMEDIATELY. XXXX have never heard of this company before there XXXX know theres no contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
i have a credit inquiry that I did not authorize. Please remove this as I have no knowledge of this activity.

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 2024-08-01 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: IL

Complaint narrative:
On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from 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 2024-08-01 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: IL

Complaint narrative:
On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from 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 2024-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, Capital One conducted a hard inquiry on my credit file for a new credit card account. I did not apply for a credit card or any form of loan from Capital One, so I contacted the company on XX/XX/year> to report the fraud. Capital One indicated that they closed the credit card account due to fraud and that they would investigate the incident further prior to removing the inquiry from my credit report. It has been 5 months and Capital One has not removed the inquiry from my credit report. When I contact Capital One, the only information the representatives can share is that the account is closed due to fraud, but will not provide an update on the removal of the hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-01 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: FL

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation