vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts listed below, have violated my rights. 

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I applied for financial assistance, loan modification or forebearance through Shellpoint Mortgage starting back in 2020 because I went through a divorce while I was very sick. I had XXXXXXXX XXXX in one month when my husband left me with no vehicle. It took me a year to get well and be able to go to work and buy a car but then Covid hit and I ended up with XXXX 4 or 5 times. I lost my brother and nephew to Covid- I raised my nephew so it was a hard time. I filled out the mountain of paperwork that was required in order for the mortgage company to see if I was eligible for assistance and they told me that I was but nothing ever came of it so I would call in to check the status and they would tell me that I needed to send in updated check stubs and resend the same packet of paperwork again- so I ended up doing this 17 times over the last 3 years. I was told that because I didn't send in the paper work all together that the paperwork was not submitted together and so I attempted to email an attachment with 37 pages but somehow was unsuccessful when I checked back with them so i ended. up faxing the paperwork to them in XXXX of last year and it cost me XXXX $ to print out 37 pages and fax them. I checked the status two weeks later and was told I had to send in updated check stubs and paperwork! Again I was told that I was eligible. I then decided to apply through the Georgia Mortgage Assistance and they said that I was eligible contingent upon the mortgage company filling out a workout agreement and returning the agreement so the State of Georgia would consider helping-no funds would be released until they know that they will work out remaining balance and nor foreclose so I emailed the form to Shellpoint Mortgage and called them in a few days and they claim they didn't receive the email with workout sheet attached so I resent it and then I faxed it and called again after a few days and still claim they have not received it. I am at my wits end! I am going to lose my home! Please help! 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
From XX/XX/2011 and on Wells Fargo charged my checking and saving accounts overdraft fees of {$35.00} when my savings account wasnt insufficient

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consu mer credit plan as late for any prFost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I previously submitted a complaint against Heights finance on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXX XXXX  XXXX offices who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXXXXXX XXXX XXXX  on behalf of heights as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for heights. 

We hve been repeatedly sued for default judgements because of the tactics XXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
Heights has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of heights by XXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since heights stated they gave cranes office account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of heights which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by heights and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have sent multiple letters and proof to Nordstrom Card Services that the transactions on my Nordstrom Debit Card were not mine. 

Disputed transactions : XXXX {$100.00} XXXX {$510.00} XX/XX/22 - {$360.00} XXXX {$44.00} I have written Nordstrom Card Services a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to XXXX XXXX to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with Nordstrom and how poorly and unprofessionally they have handled this case and how they have treated me. 

Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE bank XX/XX/XXXX Checking account available balance- {$1400.00} XX/XX/XXXX Check deposit of {$9500.00} XX/XX/XXXX Check {$9500.00} posted available balance + {$8000.00}. 
deposit hold and restricted online account access. 

XX/XX/XXXX went to chase bank Deposited XXXX XXXX  XXXX substitute check amount of {$15000.00} at the teller without issue. 

I asked for helped to get me back my online access. Branch said they cant do anything since the back office placed restriction Called chase bank XXXX XXXX XXXX was told account was closed. Refused tell me reason why but was told after 7 days. remaining funds will be sent to my address. 

XX/XX/XXXX substitue check posted and made available balance. of {$15000.00} I dont have any direct access to account except info from text banking. 

XXXX XXXX substitute check deposited bounce. 

XX/XX/XXXX internal XXXX debit of {$8000.00} account balance XXXX. 

its already XX/XX/XXXX. I have not received anything from chase. I called several times and was told that account is already closed. 

Where did the balance on my account go?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Goldman Sachs Apple Card people are accepting charges from a cancelled and replaced card number. 

I was led to believe my new digital credit card number would replace the cancelled one. Instead, Goldman Sachs lied about replacing it and kept it open, costing me unauthorized charges. 

When I called to complain, Goldman Sachs Apple reps were offensive, obnoxiously argumentative and obscene, saying things like " I need to educate you. '' Regardless, my credit card should have one and only one electronic account number for consumer use ( my use ), like all other normal cards. NO CANCELLED CREDIT CARD NUMBER SHOULD EVER REMAIN ACTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
XXXX  on XX/XX/26 through an email telling me of a credit score drop, that, on XXXX XXXX, a credit card was taken out in my name through Goldman Sachs Bank-USAXXXX XXXX XXXX My identity was stolen and a XXXX dollar credit card was taken out through GSXXXX XXXX XXXX I have contacted this bank and have discussed with their fraud department. They are taking steps to fix the issue. They told me to file a report with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX, fraud had occurred on my chime bank account for {$2800.00}. I have called chime multiple time. I sent chime multiple proof on to why its not me that made those transactions!. Chime has denied my disputes 3-4times. Each time they denied my dispute they come up with some lousy reason to why the denied my disputes. I sent multiple attachments to you guys showing the proof i sent to chime and what chime reason for denying my disputes! Also i even sent screenshots to how they change my phone number to a XXXX voice number for they can access my account. But chime doesnt seem to care. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX have violated my rights.

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 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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I would like to bring an urgent Banking matter to your attention. 

I was defrauded out of approximately {$30000.00} during a Bank transaction involving XXXX XXXX XXXXXXXX XXXX and Bank of America. 

The transaction was my closing on my home. The parties involved were XXXX XXXX, Bank of America, XXXX XXXX XXXX and XXXX Financing. The wire transfer was done directly at a XXXX XXXX XXXX XXXX  branch office.

All parties involved in this fraudulent transaction have taken absolutely no responsibility and are not returning calls. XXXX XXXX  refused to continue to investigate and demand the return of funds from Bank of America. They dropped the case without providing a reasonable resolution. 

The detective at XXXX XXXX has left multiple messages to the Bank of America representative, XXXX XXXX, at XXXX x XXXX FDIC Case # : XXXX. He has not responded or returned calls. 

I filed a case with XXXX XXXX XXXX, case number : XXXX filed on XX/XX/2022 I filed a police report at XXXX XXXX Police station. ( case # XXXX ) on XX/XX/2022. 

I filed an FBI-IC3 case online on XX/XX/2022. 

XXXX XXXX from Bank of America has responded to my FDIC Case # : XXXX by mail with fraudulent Bank of America contact information . The number given on the letter is XXXX ext XXXX and this number is not reachable. 

I would like to be given the opportunity to speak with you directly regarding this situation at your earliest convenience. 

I may be reached at XXXX. 

Thank you very much for your consideration in this matter. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My savings account reflected a withdrawal in the amount of {$3000.00} on XX/XX/XXXX at XXXX pm executed by XXXX XXXX XXXX. I was not at TD Bank at this time. 

After several attempts to resolve the above, I was told on XX/XX/XXXX that someone presented my actual card to the teller mentioned above and made the withdrawal. I informed them that my card was in my exclusive possession at all times up until XX/XX/XXXX and it is impossible for someone else to show up with my card and made this withdrawal. 

A complaint was submitted on XX/XX/XXXX with the bank 's internal fraud unit. I asked if I can see the surveillance footage for this transaction. I was told that the assigned investigator will contact me within 3-5 business day and he will determine whether I can see the footage. I asked what if him/her does not allow me to see the footage. I was told that then I will have to file a subpoena to see the footage. ( If this is the case, it will be difficult to believe this investigator, if I can not see the footage. I see no reason why I should have to pay to see this footage ). 

I do not trust TD Bank for the following reasons : 1 ) I can not comprehend the logic that someone showed up at the bank with my card for a withdrawal when my card was never missing and never left my possession ; 2 ) Without the opportunity to see the surveillance footage for this withdrawal at XXXX XXXX, this assigned investigator can tell me the same as what customer care said to me that I was at the bank and did the withdrawal at XXXX XXXX  on XX/XX/XXXX. 

Nothing makes sense and I am now questioning whether there is anyone at TD bank who is capable to investigate this withdrawal and provide an accurate/honest report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Nearing the end of my lease I returned my car early to a mercedes benz dealer. My agreement with the dealer was that I would pay the lease up to that point ( XX/XX/XXXX ) but not beyond. On XX/XX/XXXX I paid {$340.00} for the month of XX/XX/XXXX - XX/XX/XXXX. I turned over the car to the dealer on XX/XX/XXXX. I had overpaid my lease by 29 days. I requested a refund for the unused days, but the dealer told me to contact MBUSA financial services, who had received the overpayment and with whom I had a contract. 

Without my knowledge, MBUSA financial services  gave the dealer the wrong end of lease price, quoting it to XX/XX/XXXX instead of XX/XX/XXXX. I requested a refund from MBUSA financial services but they refused. The result was that I had no use of the vehicle for 29 days I had paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 my paycheck was not deposited into my savings account. The company sent a message saying they were sorry, but I had already missed payments on my apartment and insurance.

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 2023-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-28 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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX ACCOUNT # XXXX XXXX HAS BEEN BEEN REPORTING INCORRECT INFORMATION REGARDING MY CREDIT SINCE XXXX XXXX. 

XXXX XXXX ACCOUNT # XXXX IS REPORTING INCORRECT INFORMATION FROM MY EMAIL THAT THIS ACCOUNT WAS CHARGED OFF OWNING {$0.00} BETWEEN ME & THIS CREDITOR AS OF XX/XX/2021. I HAVE EMAILS SHOWING THIS INFORMATION FOR BOTH INACCURACIES OF THESE REPORTINGS XXXX XXXX XXXX ACCOUNT # 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