vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Urgent : Unexplained Closure of Marcus ' Account and Lack of Communication Regarding Fund Return Details : I have been using Marcus since XXXX and as of XX/XX/XXXX, I have a total of {$72000.00} in that account including a savings account of {$5000.00} and a CD account of ~ {$67000.00}. A couple of days ago, I selected the option to close the CD account when it mature this month and selected the option to transfer funds from my CD account to the savings account with Marcus. 

On the morning of XX/XX/XXXX, I noticed that my Marcus account was locked after trying to log in with my correct password. So on the morning of XX/XX/XXXX, I called the phone number provided on the Marcus website to try to unlock my account. After getting transferred to an account closure specialist, I was informed that my account was closed for some business reason and that they were unable to provide any explanations or notifications. I asked the specialist to connect me with her supervisor and I got connected with that supervisor. On the phone, that supervisor told me my savings account was " to be closed '' and the fund would be returned to either my original bank account or through mail. 

During our conversation, I asked her to provide the reason for account closure, and she said no reason. I asked her to inform me of the timeline of account closure given she mentioned the account is " to be closed '' ( i.e. when the account will be closed ) and she said no information on that. I asked her to unlock my account if it was not closed as of now, and she said she could not do that. I asked her whether the funds would be returned via online transfer or mail, but she could not provide any information on that. I asked her when my fund would be turned in via online transfer or mail after the account closed, and she could not provide any information. I asked her for formal communication via email listing out the timeline and way of the fund return, but she told me nobody in the firm could help me with that. 

Here are the major problems : 1 ) No notification / official emails in regards to the account closure, 2 ) No timeline and way of fund returning was provided ( i.e. I don't know when I will get my money back and where I am getting my money back ) and I am not sure when I can get my money back and how Impact / Concerns from the problems : 1 ) Liquidity : I have some travel plans and family matters in the upcoming month and need liquidity from this account to pay for those events ; 2 ) Security : I am not aware of where is my money and have no access to them. And Goldman Sachs refused to provide any details or timeline or method to solve the problem, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NC

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a remaining balance of over XXXX that Wells Fargo would not let me transfer electronically, even to the checking account already connected to my WF account. They only offered a check via paper mail service. I requested a check on XXXX XXXXXXXX XXXX and have not received it. They originally estimated a duration of 7-10 business days and it has now been over 50. Every call to customer service has resulted in no new info. The best they said they can do is mark my issue as urgent for the " Research Team '' and promise that someone will get back to me soon. This has occurred three times, each time they push the expected window of time to get back to me another 7-14 business days. It has been two months of this. They insist there is nothing they can do, that they are experiencing a lot of failed mailings, and that there is no way to get my money back until " The Research Team '' can take a look at it. When it becomes this complicated to take money out of an institution, it becomes very suspicious. When a lot of mailings fail and they don't remedy the situation, it becomes very suspicious. It's like they do anything in their power to keep the funds internal. It is very tiring to face this kind of abuse as a consumer of limited means. 

I had planned to use the money in the time it was promised to me. When a bank like Wells Fargo fails to give someone their money for over 50 days and provides them no resolution, only ever-extending timeframes, financial damage occurs. I needed to pay a bill but Wells Fargo decided I cant have my money for 2-3 months? They are allowed to do this, why? Because they didnt use a reliable mail carrier? Because they dont have time to look into what happened? I should not have to bear the costs of Wells Fargo 's failures of service. It is willful negligence. 

I need access to the remaining balance of my account immediately. There are many resolutions to this situation ( cancel the check, give me my money back in any electronic form ) yet Wells Fargo offers none. Banks can not be allowed to take this long and make this many errors to keep customers separate from their money.

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 2024-02-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> called XXXX XXXX  again, XXXX XXXX  stated we don't handle your account anymore, I then said, you already transferred me to XXXX XXXX last week, they then transferred me to XXXX XXXX, who stated they not collecting debt also. 
XXXX XXXX stated fax Email to her ( XXXX XXXX ), FAX # XXXX FILE # XXXX ATTN : XXXX SHE WILL VERIFY EMAIL ADDRESS AND PROCESS WITH XXXX XXXX  TO START DELETIONS PROCESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
On XX/XX/2024 called XXXX XXXX  again, XXXX XXXX  stated we don't handle your account anymore, I then said, you already transferred me to XXXX XXXX last week, they then transferred me to XXXX XXXX, who stated they not collecting debt also. 
XXXX XXXX stated fax Email to her ( XXXX XXXX ), FAX # XXXX FILE # XXXX ATTN : XXXX SHE WILL VERIFY EMAIL ADDRESS AND PROCESS WITH XXXX XXXX  TO START DELETIONS PROCESS!

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello I have been trying to get the credit bureaus to investigate some accounts that are being reported on my report, but so far they have not given me a solution, please verify the documents attached to this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I have been trying to get the credit bureaus to investigate some accounts that are being reported on my report, but so far they have not given me a solution, please verify the documents attached to this complaint. 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I opened a checking account with a {$500.00} electronic deposit and on XX/XX/2023 deposited {$500.00} to qualify for an advertised {$320.00} reward/bonus. Two stipulations where that the deposits be made electronically and kept in the account for 3 months. After that time the account would be reviewed, and the bonus would be deposit into the account. At that time the bank determined that my deposit didn't meet the requirements of a qualifying electronic deposit, therefore I wasn't entitled to the bonus. On my bank statement for the deposits made it lists the deposit as " Total amount of qualifying electronic deposits ''. I made a complaint at the bank, however, they said I didn't qualify because the deposits weren't monthly deposits like social security payments, work payments etc. I believe I met the requirements and that the bank should honor out agreement. Thank you for your time and consideration in this matter.

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 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized and fraudulent inquiries from " 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 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 2024-02-16 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: MI

Complaint narrative:
Unauthorized and fraudulent inquiries from 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 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 2024-02-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got an alert for a credit inquiry on my credit report from JPMCB CARD SERVIES and I have no clue what it is. The last credit card I applied for was a XXXX XXXX card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. XXXX, XXXX and equifax. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: DE

Complaint narrative:
I purchased a loan from Easy pay finance of XXXX to pay for car repair. I was told that I had 90 days to pay with a XXXX Fee. I never received statements or notifications that my 90 days was and if I didn't pay the balance they would charge me interest from the day of the loan at 199 percent. I had paid them XXXX of the XXXX I checked my credit score to find out that it has gone down because they had charged me another XXXX and my new balance was still the same despite me paying XXXX every 2 weeks for months. That's very deceptive. I was unaware that this would happen or given notification of the date this would take place. Now they have reported to the credit bureau that I am 30 days late. I have tried to settle the account for what I rightfully owe. Because of the deceptive and predatory lending practices they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A person called repeatedly supposedly from Bank of America ( had an XXXX accent ) from the number XXXX saying that they got a fraud alert from someone in Alabama trying to open a credit card in my name and they had my address in PA. They needed to verify my social security number which i wouldn't give them because i knew this was a scam. i asked for their supervisor and someone else came on ( also with an XXXX accent ) and said that the person tried to open it in XXXX, TX. I told them he's a liar because the person before them told them said that it was alabama. They then said yes it was two applications. I told them they are liars and scam artists and that i was reporting them and hung up. Tried the number again and it was out of service.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as accurate. 
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 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 2024-02-16 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting inaccurately. REMOVE THEM IMMEDIATELY. It's damaging my credit and ruining my life!!!

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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Not my debt. Was fraud and sent police reports.

Company response to consumer: Closed with non-monetary relief