vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
I went on XXXX XXXX orders in XX/XX/2022. I was making payments until I no longer was in the states. Once XXXX XXXX I did not have time and internet service to submit payments. Once I was available to make my payments the accounts were in collections and this now prevents me from federal job offers, fair financial reporting, as well as defames my name and my report. I can no longer qualify to purchase a house nor a vehicle. I have reached out to affirm and have asked for a pay to delete option being that my rights were violated. 
In accordance with the fair credit reporting act Affirm Account #, has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without written instructions.

Under The Servicemembers Civil Relief Act Protection under installment contracts for purchase or lease Section 302 ( 50 U.S.C. 3952 ) while on active military orders I have protection under this law of the installments with affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, XXXX, write to lodge a formal complaint against Equifax, one of the primary credit reporting agencies in the United States. Despite my repeated attempts, I have been unable to access my personal credit report as it appears to be erroneously frozen. This has caused inconvenience and is potentially impacting my credit activity negatively. Any inquiries by external parties also reflect this incorrect status. Further exacerbating the situation, my name is erroneously recorded within their systems, which could potentially lead to identity-related issues. Despite my best efforts to communicate and rectify these issues with Equifax directly, there has been no resolution. Therefore, I am requesting the assistance of the CFPB to investigate this matter, to unfreeze my credit report, and ensure that my personal information is accurately recorded within their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2023 I called Marcus ( Goldman Sachs ) to close my savings account as I was leaving the country. The balance was {$230000.00} I was told it would take up to a few days to transfer the funds to my XXXX account. I called after a few days and was then told it would take up to XXXX working days. I called again on XX/XX/2023 and spoke to a supervisor. I had to repeat the entire process to close the account. I was told it would take up to another XXXX days to close the account, but they would try and expedite it. I was given a case number ( XXXX XXXX XXXX XXXX ). After XXXX days I still had not received the funds. I called Marcus again on XX/XX/2023 and spoke to a supervisor. I was simply told that it would be reviewed and someone would contact me in XXXX to XXXX days. I asked if I could speak to the supervisor 's supervisor and was told it would take XXXX to XXXX days for them to contact me. This has taken so long now that I have already relocated to XXXX and there is a small time window to speak with supervisor due to the time difference. 

My money is still stuck in the Marcus account and there is no way to physically go into a branch to speak to someone. You can only call and continue to be told to wait a few more days. A simple request to close my account and transfer the funds to my XXXX account has taken XXXX weeks and I seem to be no closer to getting my money. The Marcus web site still says the funds are available to use, but when I try an online transfer I get an error message which tells me to call Marcus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My beloved parrot died in the beginning of XXXX. She was XXXX XXXX XXXX and I am heartbroken. The scam began when I had tried to purchase 2 different parrots using my Venmo credit card. The scammers preyed upon my vulnerable state and kept adding " expenses '' to ship the birds. Both purchases turned out to be scams, but I didn't realize it until it was too late. I have contacted Venmo more than once about these charges and they refuse to help. I am out about {$4000.00} and they say that they don't have to help, even though I used their credit card. It was my understanding that using credit cards are a way to safeguard purchases. 
The charges occurred XX/XX/XXXX and XX/XX/XXXX. I have sent Venmo all the information about the scams and they " apologize '' and send form letters in return. 
I have dozens of screen shots of the scammers and several of Venmo 's letters. 
Please help? I can not afford these charges for which I have nothing but heartache in return.

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 2023-06-29 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. The late payment shows for XX/XX/2023 which i know that i paid on time because my account was set up for auto pay. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

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 2023-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I recently opened a line of credit with a company called XXXX. They transferred my loan to Monterey financial. My first payment of {$130.00} was due on XX/XX/23. I set up recurring payments on XX/XX/23 to have the bill paid monthly on the due date and have the email for reference. On XX/XX/23 I checked my checking account and they took out the {$130.00} as well as an additional {$120.00} without my approval. When I visited my Monterey financial account, they did not have any payment history available for me and it now is reporting my account is past due {$250.00}. I attempted to contact them with no success. Their lending practices are predatory in nature and based on multiple reviews I can see I am not the only person with issues with Monterey financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I submitted an online ACH transfer at Marcus by Goldman Sachs Bank of available funds to a linked and verified external account, which Marcus by Goldman Sachs Bank accepted. 

Then, Marcus by Goldman Sachs Bank called me the next day and told me that they were rejecting my transfer request without any reasonable explanation why. 

Then, Marcus by Goldman Sachs Bank transferred the funds anyway, but because they told me that they had rejected the transfer, I don't dare attempt to access those funds at the external bank. 

Based on this experience, I would strongly recommend that no one do business at or with Marcus by Goldman Sachs Bank. I certainly will not be doing so much longer, as soon as I can get my hands on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had my Citi bank double cash card recently closed by Citi bank. I had the card since XXXX. My payment history is 100 % perfect since opening the card. My card expires XX/XX/XXXX. Citi Bank then sends me an email in XXXX stating stating they received my request and decided to close my account. I called Citi Bank and they said that the credit bureau closed my account not them, I told them that was not possible. I thought at this point my identity as been stolen, but why would a scammer close my account, that doesn't make sense but since the Citi representative said they didn't close my account the credit bureau did I decided to find out what's going on. I called the credit bureau and they said Citi Bank closed the account per their request. So now I disputed my account closure with the bank to the credit reporting bureau XXXX. I get a letter in the mail from XXXX stating that the bank in fact closed my account. So I called Back Citi bank and asked them why they closed my account, they said because I had a Delinquency with XXXX XXXX they have decided not to renew my Citi double cash card. Then on top of that, they made a lie saying that I called in XXXX, claiming that I would like to have my account open. ( I never called in match because I wasn't aware that account was being closed, I have attached that letter today as I found it today, through the Citi bank app ) Meanwhile, my account was never closed in XXXX, It was closed in XXXX, they disregarded using my pristine payments with the bank since XXXX and choose to close my credit card with the longest credit history because of a closed account with XXXX XXXX closed my account and then reported a 30-day late payment. How can you close an account and then report 30-day late payments? The account is closed.

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 2023-06-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-29 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: EQUIFAX, INC.
State: RI

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from JP Morgan Chase thanking me for applying for a Chase credit card. I have not applied for a JP Morgan Chase credit card. Chase did a hard hit on my credit bureau reporting, which has lowered my credit score from excellent to very good. 
I tried to call XXXX, from the corporate office at JP Morgan Chase, who is over credit cards and she will not return my calls. I have tried four times and all I receive is voicemail and I have to leave a message. 
This is a violation of reg Z, to pull credit for a credit card that was not applied for. I placed a freeze on all three credit bureaus, and informed Chase, by leaving a voicemail on XXXX 's voicemail that I did not apply for their credit card and I wanted the hard pull of credit removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX fail for provide factual documents about these accounts : XXXX XXXXXXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank purchased my mortgage from XXXX Mortgage on XX/XX/XXXX. 
I made my first payment on XX/XX/XXXX for my XXXX payment and set up auto-pay with my bank. 
Escrow changes changed the payment in XXXX resulting in a short pay on my part. I paid the difference and assumed everything was fine. Without my knowing, Fifth Third applied both the short pay of {$1300.00} and the difference payment of {$68.00} to my principle instead of my payment. I continued to think I was paying three weeks early and Fifth Third showed my always paying on the XXXX of the month the payment was due. This was not a late payment on their part so they never mentioned it. Fast Forward to the escrow change in XXXX. I adjusted what I thought was the correct payment but I was off by one month due to the issue in XXXX. This is when I discovered what happened. I asked for a review and correction. After a week, that request was denied. I paid the difference over the phone which brought my account back up to date. Then they sent my original short pay back to me. I called to explain but they told me I overpaid and that is why they sent it back. I knew this was wrong. I deposited the money in savings until we got it worked out. The following week my credit score took a hit from Fifth Third Bank reporting me late. I called back and was advised of the numbers to call to protest. 
The following week I got a note from my bank that Fifth Third had stopped payment on the check. I had to pay an additional {$5.00} fee. 
So another call to Fifth Third resulted in the following : XXXX. They will not correct the credit score issue. That is my fault XXXX. They will not send me {$5.00} to off-set the fee from my bank for the stopped payment. 
They advised I should have known not to deposit the check they sent to me. The letter advising they were sending it back is auto generated. The Agent I spoke to when I made the extra payment advised she would try, she never said if you get a check tear it up. 
And when I called about receiving it they never said they were stopping payment. 
I have had mortgages since XXXX. I have never dealt with such a poor run company that takes such terrible care of their Customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I purchased a Vanilla Visa Gift Card- before I could use it, the card was compromised- I've called the number in the back of the card- XXXX they keep telling me that they will be sending me a form, via email, their claim form to file a dispute, however, to date I haven't received this form. I phone all the time and still haven't received resolution to the issue. I purchased a Vanilla Visa gift card at XXXX for XXXX in XXXX and would like this to be resolved. According to the back of the card, they are serviced by InComm Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
This company is falsely reporting the open date of a collection and has continuously reported the collection as verified without and method of verification. 

They have also been doing hard credit pulls on my credit which resulted in hard inquiries on my credit report in which Indid not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted written disputes to both XXXX & Equifax on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted written disputes to both Experian & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.

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 2023-06-29 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. The late payment shows for XX/XX/2023 which i know that i paid on time because my account was set up for auto pay. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

Company response to consumer: Closed with non-monetary relief