vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: CO

Complaint narrative:
On 2 separate occasions I instituted an online transfer of funds from this account to another external account. The external account is with bank where the funds in the savings account in question were received from and had been confirmed previously. On both of these occasions, the transfer was canceled by the bank, no notification was received letting me know the transfer was canceled, and I only learned of the cancelation when logging onto the account after funds should have arrived. The date of the cancelation is back dated on their website, showing up after other times I've logged in to track the transfer. I was not notified in any other way that these funds would not be received, and needed to spend close to an hour on each occasion dealing with online & phone customer support to get problem sorted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My rights have been violated by TransUnion XXXX and XXXX. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit reporting agencies removed some but left a few that were due to ID theft.

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The card with my name on it that i should got it in 10 days so i call and cancel on XXXX i explain to having with my mail and i am in the hosptial  please mail the newcard my new address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX XXXX they email me it ship XXXX and activated on XXXX between this i was XXXX XXXX XXXX was DichargeXXXX never received no card they told they had the address but they to where i ask them not to seen to that iam in hospital.i want my {$2400.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the complaint about Citibank - their handling of sign on bonuses for opening credit card accounts. I opened Citi Premier card on XX/XX/2023 using public link and there was a sign-on bonus of XXXX ThankYou points for opening the account and completing {$4000.00} spend in 90 days. I completed these spending requirements, but didn't get the bonus within the promised timeframe. I called Citi ThankYou customer service center and was advised to email the copy of the sign-on bonus offer to XXXX. 
I am not getting any responses from that department despite several follow-up emails. 

Thank you, 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 2023-05-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 non-monetary relief
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose... 

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 


I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO 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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I legally applied for mortgage assistance during the pandemic. I have since caught up all of my non-payments and my mortgage loan is current. 

My home mortgage has now been sold several times. 

It has now increased over $ XXXX with the explanation being that there is a {$3500.00} shortage in my escrow account. I don't understand how this shortage occurred. The previous loan holder was Mr Cooper. It is now with RightPath Servicing. The monthly increase is a hardship for me. 

I also requested that the loan be in my legal name, not my former married name. I was told that they couldn't change the loan name unless I refinanced and that they were a servicing company not a mortgage finance company. 

How do I get my loan back to a mortgage company? How do I decrease the payments? How do I get the loan in my legal name?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MS

Complaint narrative:
This is in regards to XXXX XXXX. I am writing this to appeal to the cfpb to review my evidence across 2 bureaus where this is reported. " What in Tarnations is this ''. I can't count how many times this account has been changed and manipulated. now that I am reviewing this, they have a charge offs on one date where an on time payment has been reported, payment dates don't match up, on time payments not reported at all. and saying this account is charged off and not paid. for example. in one report it actually says date of last payment in XXXX XXXX XX/XX/2020 and at the same time have a charge off for those dates. totally crazy. im telling you everything about this account is wrong and scrambled. please let me know if you can't read my documents. i never had those missed payments or charge offs

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 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$13000.00} to my Capital One Quick Silver Card. 
My Card Balance at the time was only {$2800.00}. 

On XX/XX/XXXX, I called Capital One to refund me the Credit Balance in the amount of {$10000.00} in the form of a check as they stated they do not allow for ACH Transfers for Credit Balance Refund. 
Representative said, since you have a new account and since this is a large payment, we will have to wait 30 days before the payment clears. I said okay. 
Shortly after my card was restricted from making purchases. 

XX/XX/2023 I get a letter that I have to verify where the payment was coming from and my identity. 
I submitted my identity and the payment came from a XXXX XXXX XXXX. 

On XX/XX/XXXX, My credit card reflected the {$10000.00} being removed from the account. 

Since Then I have Spoken to at least 5 different representatives, who removed the card restriction and told me i should have a check in hand within 10-14 business days.

One XXXX from Capital one whose id was XXXX XXXX XXXX from Capital one who I spoke to one XXXX XXXX who guaranteed me that i should have the check in hand by XX/XX/2023 On XX/XX/XXXX, I mailed a letter to the address provided to me by XXXX employee ID XXXX XXXX 

Today is XX/XX/XXXX, I called again. Spoke to a woman who transferred me to a supervisor who was unable to help me. that transferred me to another woman who i was explaining everything to and the call got disconnected. 
Later I called back after I didn't get a call back after the disconnect. 
I was helped by one XXXX whose ID Number is XXXX and he basically said the last person who was helping you submitted a form that now doesn't allow us to see what's going on and only that last person can help you and we don't have any way of contacting her or knowing who she is, since you weren't able to get her name and agent ID. 

This should not be allowed by a Major Bank as big as Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
On or about XX/XX/2023 I received a notificaton from XXXX XXXX that a company called ARS  XXXX XXXX XXXX XXXXXXXX Tennessee XXXXXXXX had added a debt to my XXXX Credit Report in the amount of {$8300.00}. I immediately disputed this debt with the credit bureaus as I had no knowledge what it was for or about. 

XXXX credit reporting agency still added this debt to my account with no opportunity to dispute, resolve or even be notified of what the debt was, in researching i found the collect rent debt, I reached out to the previous rental company XXXX XXXX XXXX Tennessee for verification or clarity and received no reply. 

I sent a letter to ARS company as well requesting information on what this debt is and what for. No response to either letter I have sent twice Since XX/XX/2023. 

I have to date not received any communication about the debt, no validation, no requested contract between the company and myself. No form of verification or explanation of the debt whatsoever. No responses to letters to validate and verify or delete have been honored by ARS  Company ( Absolute Recovery Services ) or XXXX XXXX has been received by me or sent to me. 

The Consumer Credit Bureau XXXX being made aware of this refuses to remove the debt as well. XXXX has responded and advised they show no record of the debt. XXXX has yet to respond to my request. I would like this debt removed from my Consumer Credit Report as it is false and has already caused me the loss of a mortgage loan. 

This is not fair as a consumer for a debt collector to just add derogatory unfounded items to my report causing a detrimental blemish on my history. 

I want this removed or validated and a printout of charges is not a validation before that is sent i need a legal and binding agreement and proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
They closed my account due to a fraud check thats somebody deposit on my account and they reopened and create a new account for me and now I have been charged for they claims that the fraud people did its an amount of XXXX and I cant pay thats because I dont have the money I didnt do those claims I didnt deposit those checks and they may get the address of the people that did this and send them a letter charging them that money not me and I have a pay check that is coming to pay rent and I cant pay rent if they are charging me something I didnt do and it was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX, XXXX and Transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports. Date of last payment is all not correct on all 3 credit reports. 

Which is a violation. This is impacting me from moving forward to buy a house. 

I attached my report to show how Transunion is violating my rights.

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 2023-05-01 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: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
A company called ALDOUS is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my XXXX credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX 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 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 2023-05-01 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: TX

Complaint narrative:
MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

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 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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