vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is a brief history of the fiasco with Greensky, a Goldman Sachs company, we're trying to solve. 
-On XXXX XXXX XXXX, we signed a contract with XXXX XXXX from XXXX XXXX, a XXXX vendor, for the remodeling of XXXX bathrooms. The contract price was {$43000.00}, with {$1000.00} downpayment paid by XXXX XXXX, and {$42000.00} financed through Greensky : order number XXXX. 
-On XX/XX/23, XXXX charged {$21000.00} to my Greensky account, unbeknownst to me. 
XXXX XX/XX/23, I made a payment of {$450.00} to Greensky , then on XX/XX/23 XXXX applied a credit of {$260.00} for reduced work, finally on XX/XX/23 I paid the Greensky in full for {$20000.00} through an ACH from my XXXX checking account. Greensky took {$20000.00} TWICE from my account ; upon my calling them, they blamed a software glitch for this extreme blunder! 
XXXX delayed 7 times the installation, so I asked XXXX to cancel this contract on XX/XX/23. 
-On XX/XX/23, XXXX XXXX XXXX ( XXXX ) XXXX, the XXXX account XXXX, confirmed the full refund. 
As Greensky keeps delaying the refund, need to escalate this fraud to law enforcement. 
Asking for the immediate refund of {$21000.00}!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022

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 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/year> I contacted the company by phone to get verification of my debt, because of discrepancies that I had informed by dispute. Upon initial contact with the company on the specified date, was hostile in communication with me. After verifying my identity using my social security number, address, date of birth, and other personal information, upon their request, I was told that they are unwilling to verify my debt. I ask to speak to a supervisor, but they refused stating " My manager refuses to speak to anyone. '' then I promptly asked if " they are the highest company official I would be able to speak with or contact? '' they stated " yes! ". I was unsuccessful at trying to obtain verification of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went into the branch of Truist Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, FL on XX/XX/year> at XXXX. I asked a banker to help me with two wire transfers. The banker confirmed that my account had sufficient funds. The banker then informed me that wire transfers were not allowed from my account. He said he could enable it, but it would take until Monday to be ready. He told me that I could get two cashier 's checks today as an alternative solution. I went to the teller and asked for the two cashier checks. The teller took don my information and asked me to wait. at XXXX the teller informed me that I could not get the checks, because the back office could not approve them until Monday. I told the teller that i was going to file a complaint, and the teller acknowledged this. I left the bank, unable to withdraw my funds, at XXXX. I called customer service and was on hold from XXXX to XXXX, when the bank closed. I still do not have my funds.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery associates has threatened to sue me and arrest me. Portfolio recovery associates has harassed me and my friends and family. I am not even sure about what debt they are collecting because I am not aware of the debt they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Account was paid off in XX/XX/. Vehicle paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and noticed that there are unauthorized inquries that I do not recognize reporting.

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 2024-02-02 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: OR

Complaint narrative:
I attempted to get a credit card in my name with my husband as an authorized user. I was attempting to secure credit in my name as should my husband die before I do, I will have my current credit cards as an authorized user cancelled with his and I will have no credit cards. I contacted EQUIFAX, XXXX and XXXX in XX/XX/XXXX and confirmed the status of my credit situation. I removed a credit freeze ( on all reporting agencies ) on XX/XX/XXXX and a fraud alert placed 7 years ago with EQUIFAX ( Ticket # 's : XXXX and expedited, XXXX ) had an invalid phone number, which denied my ability to get a credit card from XXXX XXXX. Both XXXX and XXXX were able to confirm the correct information, however EQUIFAX needed proof of name, addresses, social security, date of birth, all sent certified mail with a cover letter XX/XX/XXXX. We received the results of EQUIFAX 's ( RE ) investigation on XX/XX/XXXX. XXXX, Confirmation # : XXXX, which showed a correct current address, but a mysterious phone number, date of birth and current residence timeline. EQUIFAX is also asking for a copy of my driver 's license or birth certificate to update my date of birth now. XXXX FICO score has dropped from XXXX to XXXX, and I still can apply for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I was XXXX last year and I was late on a payment or two, I also attempted to pay the account in full but the payment was returned. however my credit limit was XXXX and they changed it when the payment was returned to XXXX dollars which made me well over the credit limit and that is not fair, i have called them on muiltple occasions to correct the problem and they did absolutely nothing. it is hurting my credit score bad! also the APR i about 25 % and im a XXXX XXXX XXXX. I have had a decent payment history with them i had the card since about 2019. I have enrolled on a payment plan which they told me my account would be forced current now all of a sudden my account is closed and none of their employees have did anything but tell me a generic answer and help to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My property taxes and insurance are both held in escrow by my mortgage company. On XX/XX/XXXX, I got a notice in the mail that my property taxes had not been paid. I promptly called the mortgage servicing company and was told that it would be best handled by sending them the notice via the website portal. I did this and got a " acknowledgment of receipt. '' On XX/XX/XXXX, I got another notice that the taxes still had not been paid and that our property was turned over to the tax collector. I called the company and was again told that I should send the notice via the portal. I told them that I had done that already on XX/XX/XXXX and would do it again, but that I needed another level of help since nothing happened the first time. They gave me a " special email address '' to send the information to. I emailed them the notice and feedback with all of the detail above and again re-attached the notice. I again just received an " acknowledgement of receipt. '' Still nothing has been done about the taxes. Now, our sump pump has backed up and we need to file an insurance claim. Our insurance payment is also escrowed. I went to file the claim and our insurance has been cancelled for non-payment!!!!!!! So they also have not paid our insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
On XX/XX/2024 I called Ability Recovery Services LLC. XXXX answered the phone very pleasant at first. I informed him what I was trying to do with a payment plan and he stated that I need to ask family or friends for some money and to call back with a reasonable payment plan and just hung up the phone. so I called back again and the phone got disconnected called back a third time and asked for a supervisor. They stated that they still had to connect me to XXXX but just ask for a supervisor. When I did that all XXXX broke out. He stated I was wasting his time and what part do I not understand. I stated this is being recorded right? and all I want to do is talk with a supervisor. He then hangs up the phone.

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 2024-02-02 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
I am requesting the name of the " original and any intermediary or vendor source or source '' Experian used to verify a disputed bankruptcy record. Experian completed its investigation on XX/XX/XXXX  for report # XXXX. My request for this vendor is consistent with the FCRA law which states that CRA 's must provide the " source of information '' upon request. Additionally, according to a press release dated XX/XX/XXXX  by the CFPB, CRA 's are required to provide consumers the following : Must be provided the information in a format that will assist them in identifying inaccuracies, exercising their rights to dispute any incomplete or inaccurate information, and understanding when they are being impacted by adverse information. 

Must be provided with the sources of the information in their file, including both the original and any intermediary or vendor source or sources. 

Experian continues to refuse my request for this information prohibiting me from conducting a full dispute to correct this inaccurate information. THIS DISPUTE IS NOT A REQUEST FOR VALIDATION OR VERFICATION. It is a request for the sources of the information.

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 2024-02-02 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the unauthorized reporting of my personal information and that of my cosigner. I recently became aware that our information has been reported to my credit without our explicit consent. 


As you should be aware, The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Additionally, our rights are protected under the Family Educational Rights and Privacy Act ( FERPA ), as outlined in 20 U.S. Code 1232g. This legislation ensures certain conditions for the availability of funds to educational agencies or institutions, and it guarantees individuals the right to inspect and review their education records. Any disclosure of these records without proper authorization is a violation of our privacy rights.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; 20 U.S. Code 1232g - Family educational and privacy rights U.S. Code ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I want to close my American Express Delta Skymiles card account which I have had for less than one year. Various reasons to cancel : many, many places do not accept American Express ; I don't really need it ; it was supposed to be free for one year and then XXXX  and I just got an email saying that renewal fee is suddenly XXXX rather than XXXX  It is only " a backup '' card for us and this annual expense is excessive for one we hardly use. Also, I don't want it! I gave it a try, and don't like it. 
Today, on XX/XX/year>, I called customer service with the # on back of card XXXX. Waited almost 13 minutes on hold, wasting my time. 
( I had already called to cancel it a month prior and was told to call " closer to the renewal date ''. ) The information about the card cleverly does not list any steps to take to cancel. 
I feel it is a rip off. There should be plenty of time to cancel it ( end of XXXX expires ) and it is not at all transparent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 I have never stepped for this dealer that caused these inquiries and they are all fraudulent by the cause of identity theft. These inquiries have been affecting me for months but they are not mine, I would like them to be gone as soon as possible.

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