vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I tried to transfer money out of the account to my reference account at a different bank ( also in my name ) at which point my online access was blocked and the bank claimed they could not verify my identity. I provided all forms of identification they have on file, my phone number ( that they claimed could not be used to issue a mobile code ), the email address with which I registered ( they claimed they don't have this information although it's the only mode of communication ), my social security number, date of birth, address and secret password. This is the entirety of the information that was provided during the account opening process, however, they now say they need an affidavit and said I should wait for them to send me something and I should contact again in 1, 2 or 3 business days. I have said that I would like to close the account and they said it's not possible until I am verified, but they can't help me at this point. The bank is running me in circles. I clearly said on a recorded line that I would like to close the relationship immediately as is my right. By not accepting my forms of identification, they are essentially blocking me from ending the business relationship and thereby circumventing the consumer rights. They also won't let me access or transfer the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: LEXISNEXIS
State: VA

Complaint narrative:
I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, XXXX, LEXUS NEXIS, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
These accounts have been charged-off, meaning it is now considered a certificate of indebtness & income, which should be reported with a 1099C. Income can not be reported on my credit report. 

XXXX XXXX Account : XXXX balance {$800.00} Credit XXXX XXXX Account : XXXX balance {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX- {$400.00} XXXX XXXX- {$300.00} MN CHILD SUPPORT ENFORCEMENT {$2300.00} XXXX XXXX {$300.00} XXXX- {$31000.00} US DEPARTMENT OF EDUCATION {$3800.00} US DEPARTMENT OF EDUCATION {$6200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$9800.00} XXXX XXXX  {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} US DEPARTMENT OF EDUCATION- {$6200.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$9800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Conserve Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions

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 2024-01-11 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: MI

Complaint narrative:
Since the beginning of Covid ; I've had a lot of problems with unauthorized card use, and inability to access my account correctly, while banking with BMO Harris Bank located on XXXX XXXX XXXX XXXXXXXX, WI. Starting around the beginning of Covid, BMO chose to switch to needing a " temporary phone password '' to access anything via their XXXX customer service line. This also includes their " card member services line '' as well. Since the beginning of Covid, I've had a couple of unauthorized transactions. The most recent was on XX/XX/XXXX I believe, where the bank finally offered the shut my card down, but then still authorized transactions on XX/XX/XXXX to XXXX XXXX in the amount of {$200.00}, and to XXXX XXXX in the amount of {$330.00} ''. 

There was also a secondary account setup in XXXX of XXXX by one of my sole-proprietor business clients in my name, which I'm not able to access at all. I was at the bank with my client in XX/XX/XXXX to setup the account. I even received the follow-up call a day or 2 later from my banker, checking on the account. But, when my client tries to put $ into the account using the account # giving to use, they're not allowed to, being told that the account doesn't exist. And I get told the same thing from BMO teller when trying to access the account on my end as well. 

As stated, this has been an ongoing issue with BMO Harris bank since Covid. They have no right to be doing this to customers, as it violates federal banking laws, yet here we are. Because of their unwillingness to cooperate at this point, I'm requesting any and all accounts information, ran based of SSN for the financial institution over the last XXXX years.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a home repair loan from the USDA Rural Development in XX/XX/XXXX so that I may age in place. The Contractors work was delayed. The loan officer at the USDA Rural Development Office changed the date on the Contractors Agreement reflecting this change but never changed the date on my Promissory Note as required by the USDA Rural Development Handbook RD-HB 1-3550 paragraph 8.8 ( B ). When the work was completed on XX/XX/XXXX, the loan was set into motion and I was immediately past due before I had even received my first billing statement. As a result, the USDA reported me as not paying on my loan. I have since disputed the errors through XXXX and the USDA. The USDA changed the date on the Promissory Note and have since removed the errors. I have also consulted with a Consumer Attorney on XX/XX/XXXX who reviewed all three Credit Reports : XXXX, XXXX and XXXX and found no derogatory information. However, because of the USDA reporting errors, Wells Fargo has reduced my credit limit from {$6000.00} to {$1200.00}. Therefore, my credit utilization is now showing high, I.e., very close to my card limit. I have been a member of Wells Fargo since XXXX. I have never overdrawn my accounts or made late payments for any of my bills. If you review my accounts you will see there is not one late payment. The USDA loan payment is {$41.00} a month and it will be no problem to handle that payment. I would not have agreed otherwise. The USDA error has caused me grave distress. Wells Fargo is adding salt to the wounds by greatly lowering my credit limit. I do not need a {$6000.00} credit limit but would like to have you raise it more than {$1200.00}.

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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received XXXX letters on XX/XX/2023 from Wells Fargo Customer Care. The letters stated that I had been improperly enrolled in two programs without my knowledge or consent. The products were " Wells Fargo Identity Theft Protection '' program and the other was their " Credit Defense Product '' ( They had been ordered by you CFPB and they agreed to pay consumers as part of a plea deal ). I called the telephone number in the letters ( XXXX ). Their representative told me advised me the money that would be paid to me was {$500.00} dollars ( $ XXXX ). They advised me the money would shortly be forthcoming. After waiting XXXX weeks I called back on XX/XX/XXXX and was advised the checks would be received in 30 days from my initial call on XX/XX/XXXX. The checks didn't come and I called again on XX/XX/XXXX and they said their was a XXXX backup. I called again today and they said they could not specify when and transferred me to another Wells Fargo " Executive Office '' telephone number. I spoke to a representative named " XXXX '' who refused to give me her full name from the " Customer Care Executive Office. '' She advised me that the checks would not be made available until sometime in XXXX... probably. I feel that once Wells Fargo is again engaging in unscrupulous refusal to pay an agreed upon debt that they owe.

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 2024-01-11 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. 

This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. Human trafficking is a severe federal crime, also known as Trafficking in Persons ( TIP ), involving the unlawful trade of human beings against their will for commercial XXXX exploitation or forced labor. 

In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308

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 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MOHELA
State: TN

Complaint narrative:
This number has been leaving messages that include the line, this is an attempt to collect a debt, which I thought was not allowed. 
It is potentially disclosing a debt to a third party. 

Please Advise. 

XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: UT

Complaint narrative:
I first enrolled in autopay on XX/XX/23 and got confirmation that I was enrolled. Then my XXXX payment did not go through and was reported as late. I made sure to enroll again and got yet another confirmation that autopay was active. My XXXX and XXXX payments were not automatically processed and both were late until I manually paid them and I enrolled and made sure autopay was active on my account. I finally called and they said that each time I enrolled in autopay it reset the clock and a 1-2 billing cycle had to pass before autopay was fully active. So now in order to get the 0.25 % interest rate cut, I have to wait a minimum until XXXX. 

No notification my payments needed to be manually processed, or that autopay would not occur for two billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-12 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: PR

Complaint narrative:
I pulled my credit reports on XXXX from TransUnion, XXXX, and XXXX. 

On the TransUnion report my name is correct but the 3 AKA 's are not ; on the addresses, the current address is mailable but the other 8 are non-mailable addresses ; the only phone number that is currently in use is the first one, the other 8 do not belong to me. 

On the XXXX report my name is incorrect with various errors, 1 of the 2 formerly known as, is the correct name ; the current address is mailable but the other 6 are non-mailable addresses. 

On the XXXX report there are 10 names with only one being the correct one ; one address is mailable and the other 4 are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other 2 do not belong 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 2024-01-11 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: MN

Complaint narrative:
I WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I want to understand why my alma mater would try to ruin my life and my credit by prematurely sending my University Loan to collections? The facts are simple. The loan was sent there erroneously since I was not actually behind on payment by XXXX or XXXX months like the loan servicer ECSI contents. Thats not even possible considering the loan only became due in XX/XX/XXXX. Furthermore, I only learned of the loans existence in XX/XX/XXXX. That is to sayI thought all of my loans were serviced by the same company. So when I applied for deferment with XXXX in XXXX like XXXX XXXX suggested, I believed I addressed my student debt. Obviously, now I see this wasnt the case. 

At first when I was getting threatening correspondence from Heartland ECSI, I thought it was in error. But it turns out the majority of the loans associated with my undergraduate degree are indeed in deferment because XXXX made the process easy. My ECSI-held University Loan was the exception. Which is confusing because all of my loans were serviced by Heartland ECSI at XXXX point. Additionally, in regards to Heartland ECSI, I filled out a forebearance on XX/XX/XXXX only to be told the next day that I still had to pay hundreds of dollars worth of interestsomething they really shouldve mentioned beforehand. Then to make matters worse, every subsequent email from ECSI said I had until XX/XX/XXXX to complete my forebearance by paying the outstanding interest and yet, XXXX XXXX sent my account to collections on the XXXX! What a terrible birthday/XXXX  present that was. Ive been trying to reach Accounting or the Financial Admin at XXXX via phone but have been unsuccessful. I sent an email very similar to what Im writing here. I also reached out to XXXX XXXX who didnt treat me as professionally as their name would suggestand after a brief unpleasant conversation with one of the XXXX representatives, I filed an official written dispute of the debt via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I tried to pay my bill with the number on my credit report and the number was incorrect. I downloaded the app and spoke with customer service and have created several tickets where I am constantly being told that management is " researching '' if I still owe or how I can make the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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