vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs to hold funds to be used for the down payment of a house. I funded approximately 40 % of the account from a domestic ACH from XXXX XXXX XXXX  XXXX. and 60 % from XXXX  XXXX XXXX. I instituted a domestic wire transfer of approximately 25 % of the total funds bank to the XXXX XXXX XXXX XXXX. account used for funding. To be clear, the amount wired back to XXXX was less than the amount originally sent to Marcus. 

This domestic wire was initiated at XXXX EST / XXXX CST. When I called to initiate the wire transfer, the agent informed me that wires are concluded by XXXX EST the same day. When this timeframe came and went without funds transfer, I called again and was informed that sometimes, wires can be instead processed at XXXX EST. Once again, that timeframe came and went without Marcus wiring my money to my external institution. The third agent I called told me that it would likely process overnight. You can likely guess what happened next! The wire did not process yet again and Marcus continues to retain my funds against my wishes and will do nothing to process this wire transfer in an expeditions manner. It frankly reeks of false advertising to claim to offer free domestic wires but those wires in reality are remarkably time consuming in a way that does not comport with industry norms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX i received an email from chase credit journey about a new inquiry on my credit report. I checked and there was a credit check coming from lender : nordstrom/td bank usa .

Inquiry date : XX/XX/XXXX. I tried calling the company but in order for them to talk to me i need an account number and i do not have that. I havent applied for anything recently this was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX received check from XXXX XXXX XXXX ( XXXX ) for XXXX for final payment of work performed on house. Check was made out to me, my wife, and XXXX XXXX. 
XXXX All the parties endorsed the check and it was mailed to Ally. 
XXXX Ally contact my wife to inform her they would NOT be accepting the check. 
XXXX XXXX informed us they couldn't reissue a check due to Ally negotiating the check. XXXX provided proof of negotiated check. 
Multiple phone calls from Ally stating they are sending either my wife and I a check or the insurance company. 
XXXX -received check from ALLY for XXXX made out to my wife and I and XXXX from ALLY. ( NOT THE INSURANCE CHECK ) XXXX wife took check to truist who has REFUSED TO ENDORSE THE NEW CHECK and has informed me they didn't need to be on the check. 
XXXX Ally wants me to send their check back so they can cancel it. Then reissue the check to the insurance company so they can send me a check for the amount AGAIN. 



We are currently still out {$21000.00} and are being yanked around by Ally bank.

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 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
This is regarding client of this company XXXX XXXXXXXX XXXX XXXX. 

The plumbing manager was trying to force me to take a tank water heater when I paid for tankless. I feel like my rights as a homeowner were being trampled on. Is he paying for the job or am I? He has no right to force me to take something. For two to three hours, I had no idea what was going on. At one point I asked for my existing tank to be put back and just cancel the job to the worker and plumbing manager. But my old tank AFTER removal did not work was what I was told. For two to three hours, I had no idea what was going on and did not have peace of mind. I was trying to reach my advisor and called the general number, but could not speak with anyone. You can not put a price on having peace of mind. After some time I was told they would run the gas line the next day. I was out of the heat for one day on XX/XX/XXXX, I was told that everything would be up and running on day 1. Due to a gas line being added the job is taking 2 days. This job is not yet completed and they have taken the money from the lender. My HOA has contacted me regarding the outside and asked when they are coming back to finish everything. I can not give them that day because they have not told me the day. They need to fix/replace the door, the outside lawn area needs work and it needs to pass inspection. They are not in a rush to line this up since they have been paid against my permission, I would have gladly paid them after they have completed all the work. It passed inspection 2 weeks ago, they said they would come back to fix/replace my closet door. After about 2 weeks of trying to speak to someone, I spoke to XXXX and he stated because I " choose the system '' they will not attempt to fix my door. They wanted to put a bigger tank than a tankless water heater. Also they need to clean the yard there are still flags and markings on the ground. This is over a month and the company was paid after a week, they should not have been paid. In addition, the water tank makes strange noises sometimes. 

Also, XXXX XXXX XXXX XXXX says they are XXXX XXXX XXXX accredited and they are not. If I had known this, I would not have chosen this company. This company needs to fix my doors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX XXXX ACCT : XXXXhas violated my rights.

15USC 1681 SECTION 602 STATES i have a right to PRIVACY 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under OPEN END consumer credit plan as LATE for any purpose.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am writing to request your assistance in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX XXXX so this complaint is specific to PNC-my bank and where the checking account involved resides. My intention in contacting the CFPB is to motivate PNC to respond. I also imagine I am not the only consumer waiting on a response from PNC ( or XXXX XXXX ). 

I was a victim of mail check fraud in XXXX, XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my PNC bank account. Per PNC, they are still waiting to hear from XXXX XXXX, the recipient bank that cashed my fraudulently altered check and, since XXXX XXXX does not have any real presence in Ohio, this is further complicating the timely resolution of my case, per PNC. I have also been told by PNC that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per PNC policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of PNC 's request for information and filing of XXXX Police and Inspector General reports and within the 20 days required timeframe and all of these documents have been provided to PNC last year. 

It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at PNC has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved XXXX XXXX to respond to PNC. My request is full restoration of my funds with interest by XX/XX/XXXX, which, as I understand it, requires XXXX XXXX to respond and work with PNC. The PNC reference number for my case is XXXX. The checking account # is XXXX. 

In addition, it appears expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds and advising consumers where/how to complain appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Key, Greer, Harrison & Casey
State: AL

Complaint narrative:
I got a loan through XXXX XXXX XXXX XXXX XXXX back in XXXX but the account was closed/charged off in bankruptcy I thought and I was later contacted by a law firm called KEY GREER HARRISON and Casey at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  al XXXX about collecting for the above credit Union and paying XXXX per month I have been making that same XXXX payment since XXXX of XXXX i found out on XXXX XXXX that this debt has been closed charged off through my bankruptcy and I would like a refund ASAP because not I believe I was scammed through this law office s as well as I would like to report the law office to the bar association. I tried emailing XXXX  calling no help as of yet XXXX I havent spoken to the appropriate people

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
XX/XX/2023 approximately {$2100.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. XX/XX/2023 approximately {$2300.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. I filed disputes with Chime. It determined no error was found in either dispute. I appealed both matters and Chime reported the same findings in both disputes. I reappealed and Chime is currently investigating. I filed a report with the XXXX SC Sheriff 's Department on XX/XX/2023. It filed a finding XX/XX/2023 and issued a search warrant to Chime Bank. The case was turned over to the white collar crime division.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine because I did not give my permission to sell my debt to a third party if it isn't fact my debt.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have contacted the XXXX as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have contacted the XXXX as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony are currently reporting INCOME to the consumer reporting agencies ( XXXX Account XXXX XXXX ) on my consumer credit report. A 1099 C was issued, this account is INCOME and was filed on my taxes as INCOME. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- By reporting income to the consumer reporting agencies SYNCHRONY violates the LAW 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) Respect for the consumer 's right to privacy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In addition to violating the above LAW SYCHRONY also violated 623. Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Company failed to notate dispute within 5 business days. failed to delete the inaccurate / unverified accounts. failed to maintain maximum possible accuracy. failed to exercise their grave responsibilities with fairness, impartiality, and a respect to my right to privacy.

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 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synter Resource Group, LLC.
State: NJ

Complaint narrative:
To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX supply ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is also unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX

Company response to consumer: Closed with explanation