vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
For the past few weeks, I have tried multiple times to move money from a Marcus by Goldman Sachs account into an external account. Each attempt has failed even though I have followed different advice/ instructions from Marcus representatives and supervisors each time. No one has been able to provide an accurate answer as to why I can't move the money as requested. I need the following : ( i ) My wire request to go through successfully and ( ii ) someone to instruct me in how to avoid this issue moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I obtained a loan in XXXXXXXX XXXX from NetCredit, at which time I signed a contract for a loan amount of {$8500.00} with an APR of 64.69 %. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( serviced by NetCredit Loan Services, LLC [ NetCredit ] ) advertised a refinance eligibility option, which I discovered does not apply to XXXX  residents. At the time I signed the contract, I was unaware that XXXX has a maximum interest rate of 36 %. Further, there is no record of XXXX XXXX XXXX XXXX XXXX XXXX in the NMLS database ; NetCredit results include addresses in Utah and Illinois. The FDIC database lists XXXXXXXX XXXX XXXX  address as in XXXX The states of XXXX XXXX XXXX, in which XXXX XXXX lists addresses in the contract language, also have maximum interest rates of 36 % ( or refer to " unconscionability '' ), which means that even if they operate under those state 's usury statutes, the 64.69 % interest rate they charged me is illegal. I believe this is a predatory lender offering illegal, extremely high interest loans to people whose circumstances don't allow for lower interest options, and who don't know what the rules are surrounding maximum interest rates and therefore will accept any assistance to alleviate immediate financial difficulties without knowing how or where to go for information about what's normal or allowable. I called NetCredit today to request an interest rate reduction, and the representative told me it was not possible. He mentioned the possibility of refinance, and while I was asking questions and he attempted to answer, he got several details of the contract language wrong, including the term and the interest rate. He apparently also didn't know that I was ineligible for refinance due to my state of residency, and when I told him that was the case, he acknowledged I was right ; I am ineligible. I asked several questions about why my interest rate is so high when the maximum rate in Oregon is 36 %. He couldn't give me an answer, so I asked to elevate the call. He said I can expect a call back within 24-72 hours, but that a supervisor told him there was no way they could reduce my rate. Due to this conversation, I don't expect satisfactory resolution to be offered voluntarily by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-08-15 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2023-08-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Back in XXXX there were some international transactions that were not authorized by me. The bank issued provisional credits due to the issue. This is where my unemployment is direct deposited. It took XXXX to receive my unemployment, then once I get it, the bank took the {$250.00} it had credited me XXXX months ago. 

I contacted them, but they indicated that no one had made any notes, so they had no clue why the funds were taken. Im legally XXXX. They claim they sent me something, but they never did, I need. That money back in my account. 

See this institutional states clearly states that they do not allow international transactions. These were transactions that were made in XXXX. This was clear fraud. I thought it was handled. 

But its not, no one I talk to knows either.

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 2023-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I did not attain medical services and do not recognize these charges.

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 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-15 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: FC HoldCo LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I called Navy Federal Credit union customer service today XX/XX/2023 at XXXX XXXX and asked if my direct deposit could be made available since they advertise that your direct deposits will be available XXXX day early as a perk of being a customer at Navy Federal Credit Union XXXX The representative stated that my account had an alert on it because I had prior credit cards due which I paid in settlements to them XX/XX/2023 for the amount of {$5400.00} and was not made aware that my checking account would retain an alert on it on that doesn't allow the same features as every other customer at Navy Federal Credit Union. When I asked why this was and when it expires the customer service agent told me it never expires because I am marked as someone who was a loss to Navy Federal Credit Union. I don't think it's fair that without my knowledge I receive different treatment from the bank as a result of settling a debt with the bank from prior credit cards and I was not made aware that this would be the result of settling the debt with them that I would never be able to have a full account and full features with the bank and be treated differently as a member of the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft and fraud. I have not opened these accounts and I have not received any goods, money or credit from the alleged corporations. I have sent the credit bureaus an identity theft police report from the FTC, and a notarized identity theft affidavit along with my personal identifying information. According to the FCRA subsection 605b any items dealing with identity theft should be removed in 4 days in which the corporation is past due. I would like the following items blocked/ removed from my consumer report immediately.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used the atm at chase bank, I have an account with them, this is the second time my money has been taken from the atm I deposited roughly XXXX dollars tte first time. The second time I deposited XXXX dollars roughly and no one in the bank helped me, I have asked that this claim be escalated because I am depositing the money because I have bills to pay now I will be late on them and receive late charges all because the atm stole my money. I asked that the atm overages be checked and all they did was tell me to call the number, I asked to speak with a XXXX and they said there was none. The atm gave me a receipt with the sequence number on it and nothing to do with my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.

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 2023-08-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX  XXXX XXXX wrote by Fax : The settlement on your home equity line of credit is complete. 

What this means to you We will no ionger seek payments on this account. Your home equity line of credit was charged off on XX/XX/XXXX. 

Weve closed the account and will notifythe credit burcaus tho-account has been settled for less than the full balance. 

There may be tax consequences as a result of the settlement. 

All three agencies show a charge off date in XX/XX/XXXX not on 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
In XXXX, I opened a joint line of credit with XXXX XXXX XXXX XXXX, attached to my joint checking account with my wife, at the time. I divorced in XXXX ; I provided XXXX XXXX my divorce decree which stated I was responsible for paying the remaining balance of the joint line of credit. XXXX XXXX required me to open a new account ( as an individual account ) but would not allow for me to refinance the debt in my name only. Instead, they locked the line of credit, requiring pay down of the debt and reassured me no additional funds could be drawn against the line. I continued to make regular payments in order to satisfy the debt. 
In XXXX, Flagstar Bank acquired XXXX XXXX. The original line of credit came over from XXXX XXXX as a Locked line of credit ; pay down only along with my checking account. This fact has been verified several times by employees of Flagstar Bank. 

In early XXXX, without my authorization, consent or knowledge Flagstar Bank re-opened the line of credit. In re-opening the line of credit, they allowed my now ex-wife to make withdraws in excess of {$5000.00}. Flagstar confirmed the withdrawals were initiated online and transferred to an account she had direct access to. Flagstar Bank was complicit in the fraud, they allowed for her to change the mailing and billing address, making me completely unaware of what was taking place. I was notified by Flagstars collection department regarding the minimum payments that I was making were less than the requirement from the billing cycle. I immediately called banking representatives and spent countless hours on the phone and in the branch trying to rectify the situation. I paid Flagstar bank the remaining portion of the original amount I owed ( what was transferred over from XXXX XXXX ) approximately {$1200.00}. And further explained collection efforts should not involve me as the liability is on the lender due to their negligent handling of the loan. 

Flagstar has been less than helpful and is claiming I owe the full balance which is outside of my original loan agreement with XXXX XXXX. They also have damaged my credit and continue to pull credit bureaus in attempt to collect a debt that is fraud. These institutions have failed me

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law.

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