vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I had initiated a withdrawal from my Apple savings account which is sponsored by Goldman Sachs. I had initiated a transfer on XX/XX/XXXX at XXXX XXXX  and on XXXX  XX/XX/XXXX, i called Goldman Sachs to inquire the status of my withdrawal. They stated it's still in a review process. Therefore, i called them late evening and they gave me three different answers.

First answer was that they needed to verify my bank account. Which i did by doing a conference call with Goldman Sachs and my transferring bank XXXX XXXX XXXX XXXX. Thereafter, they told me that i am all set and my money would be transferred to XXXX XXXX XXXX XXXX. 
Thereafter i called again to get a status on same evening, they stated that it's still in a review process. I told them that my other bank ( XXXX ) account was verified and they had told me that my money would be transferred. They basically said " Sorry '' but we can't help you. I asked them to talk to supervisor, they stated they do not have a supervisor or managers. They are busy, till today XX/XX/2023, i haven't heard back from any supervisor or manager. 
Third answer i received was that i can't get my money because i wasn't transferring out to the same back as the money came in from. 
Therefore, i called them on XX/XX/XXXX morning and by that time my transaction was showing as " Declined ''. Therefore, they advised that i initiate a new transfer. Therefore, i did a new transfer. 

I need this money to put a down payment for our new home. This postponed our closing on XX/XX/XXXX. My household good had to be delayed as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had to reschedule handyman, appliance delivery, window and door installation. 

This has caused us a significant amount of stress by them not providing an accurate answer to get our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.

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 2023-06-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tried to use my card for a purchase. Denied. Called number in the back of my card. Told me to call EDD. For the last 5 days and countless hours, i have been trying to find out what is the problem so i can fix it. Everyone keeps telling me different reasons, which doesn't seem to be the case. My account is frozen. With funds available. I need to access them, but i cant do anything about it. Please help 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 2023-06-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. 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 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collections Inc
State: MS

Complaint narrative:
Around XX/XX/XXXX, I received a phone call from Collections, Inc. ( XXXX was the name I was given ). I discussed with her via phone call about an outstanding medical debt that she says was from XXXX and XXXX. She claimed I had a defaulted payment agreement with the hospital but I've never set up a payment plan with the hospital. She threatened to garnish my wages and even called my jobs two days later to verify I worked there. I answered the work phone and then called her back on my cell phone. That same day, a payment agreement was met between myself and Collections , Inc via phone call with XXXX. She advised that in XXXX I would make a payment on XX/XX/XXXX ( my payday ) and every payday thereafter until my balance was paid in full in the amount of {$170.00} per payment. I agreed to this. On XX/XX/XXXX, a payment was drafted in the amount of {$170.00} and I assumed all was good. On XX/XX/XXXX, when the second payment was set to be drafted, she called and advised I was in default of my payment agreement because I had not made a second payment in XXXX. I then discussed with her via a recorded call on my cell phone how I was advised I would make these payments on each and every payday until the balance was paid in full. I was still authorizing the {$170.00} to be paid on XX/XX/XXXX, but I could not double up as I had not been prepared to do so. She advised I was then defaulted and fees and garnishment would continue. I asked how can you default a payment agreement when you are agreeing to pay what you owe on the dates previously agreed upon. She stumbled over words and I asked if this statement about me having to make a second payment in XXXX was recorded and she said " It's in my notes. '' I asked if it was recorded and she replied, " No, we do not record phone calls, we would be required to tell you if we did. '' I said, " Okay, that's fine because I am recording this phone call for my records. '' She immediately replied, " Then we can no longer speak, have a great day. '' and disconnected the call. I do not understand how this is legal debt collection practice when they have no agreement from anyone in writing or via recorded call and when you try to make it right, they refuse to work with anything you offer unless it's what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Date of Transaction XX/XX/2023 XXXX approx. XXXX eastern time Location XXXX XXXX XXXX, XXXX, NY XXXX Terminal ID XXXX Claim # XXXX I made a {$400.00} withdrawal, only {$300.00} was dispensed. 

Multiple Calls have been made with Chase Dispute Team Phone # XXXX XXXX XXXX. 
1st call being XX/XX/2023 was told no claims can be made on the weekend 2nd follow up XX/XX/2023 ID XXXX was told the claim has been put in, representative stated they are unable to provide email confirmation 3rd follow up XX/XX/2023 ID XXXX Specialist let me know a credit of {$100.00} would be posted to the account within 10 days and provided the claim number also stated they are unable to provide email confirmation 4th follow up XX/XX/2023 ID XXXX Specialist claims there was a system error and did not provide information why the claim was closed. Let me know she would reopen the claim with them team. Specialists could not identify what steps the team would take to resolve the issue. Specialist was unable to send a confirmation email that the claim has been reopened XXXX. Although she did confirm I would be receiving a Credit within 2 hours and email confirmation by XXXX business hours approx. XXXX. 

More Info : The Dispute letter dated XX/XX/2023 No Action will be Taken The inquiry is now resolved ( see attached below ) I have asked for a full ATM Count Cash Dispensed Count ATM Video footage of dispensed cash Video of ATM Area

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After sending a lot of complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved! I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I DO NOT have any idea regarding these fraudulent accounts on my credit report. So please have them REMOVED on my credit report.

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 2023-06-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These inquiries does not belong to me and must be removed as soon as possible

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 2023-06-01 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Apple Credit Card ( via Goldman Sachs ) is refusing my request to send recurring paper statements for my Apple Credit Card Account. 

I believe their policy is in violation of the E-SIGN act, and may also be in violation Truth in Lending Act. 

I have screenshots confirming this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling XXXX .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. cash app shares info in accordance with its Privacy Policy. Under the " WHEN AND WITH WHOM WE SHARE YOUR INFORMATION '' : They state they can share with others with my consent For example : At my direction or as described at the time I agree to share ; When I authorize a third party application or website to access your information. I would like to give my consent for cash app to share any account details with CFPB. Thanks. I have attached cash app statements I was able to download to show ownership of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attached a copy of my complaint to this portal highlighting all of the inaccuracies along with a copy of my identification, credit report, and inconsistencies that Equifax is publishing. Equifax consistently VERIFIES inaccurate information which is illegal. I am proving that Equifax is not legally verifying any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Comenity bank has mis-allocated funds paid towards promotional plans. Payment have been applied as purchases, thereby increasing the balances owed higher than the original purchase. I had a plan from XX/XX/XXXX - XX/XX/XXXX. I have paid that in full, but each time I have called and spoken to a representative to have funds specifically allocated to that account, the payments have been applied as purchases rather than a credit to the amount owed. That account is in dispute, but on my statements from XXXX, XXXX and XXXX, payments intended for another promotional plan that was dated XX/XX/XXXX - XX/XX/XXXX were applied to the paid in full account which expired in XXXX ( XXXX on my XXXX statement, and {$260.00} in XXXX. ) The original purchase price was {$960.00}, but the balance now shows as {$1300.00} Comenity Bank stated that I would not have to pay anything towards the disputed amount, but their system has automatically applied that money to the disputed plan and they refuse to move it despite their stated policies. For the account expiring on XX/XX/XXXX, {$260.00} was moved from the funds designated for that and also applied toward the paid account in dispute in XXXX of XXXX. In XXXX, that balance was {$940.00} and in XXXX it shows as {$1200.00}. If I am making large payments every month, how can that be? The statements clearly show purchases instead of payments or credits. They refuse to do anything about it except to dispute the charges. How is one supposed to obtain a correct balance due to these erroneous payment allocations? Further, they had changed their allocation rules in XX/XX/XXXX, so, in essence, they changed my contract during the life of the contract. I need some assistance to resolve this matter. This is not ethical, I believe illegal, and certainly a deceptive practice in order to force the consumer to pay interest on what was originally stated to be an interest-free program. Please see the attachments to illustrate the errors and allocations I have described.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a complaint for the Bankruptcy on my credit report last XX/XX/2023. Last XX/XX/2023 I submitted a complaint for the FRAUDULENT items on my credit report but it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). This was my first time submitting a complaint for the FRAUDULENT items on my account. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " TRANSUNION ", " XXXX XXXX ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Room XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center

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