vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
My XXXX mother in XXXX wished to make a XXXX wire of her savings to me. An XXXX XXXX transfer of {$48000.00} was made to my Marcus savings account with Goldman Sachs XXXX code XXXX on XX/XX/2022. I have not seen the funds issued to my account or the seen the transfer rejected. 

The transferring bank has the proof of acceptance from Goldman Sachs as seen in the attached receipts. Why did Goldman Sachs accept the transfer? Where are the funds now? The transferring bank has tried to reach Goldman Sachs over authenticated XXXX messages and they have not been responded to. 

Please thoroughly investigate this matter at the earliest as to where the funds have gone. I seek resolution instead of a wall of excuses I have been hitting through customer support. This has been very painful and I have exhausted every legitimate avenue Goldman Sachs has left open for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: I.C. System, Inc.
State: VA

Complaint narrative:
The account I am disputing do not relate to any transactions for which I am liable. I already sent letters of complaint but no response has been received.

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 2022-07-06 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: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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 2022-07-06 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Received notification from my credit monitoring company ( XXXX  ) that there was an account opened under my name with JPMChase. I have accounts with JPMChase so called them and asked them to verify my accounts. XXXX gave me the correct information for the two accounts I have. I asked them about the account that was flagged by XXXX  and they said they don't recognize the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In the middle of XX/XX/2022 while scrolling through my Fifth Third Bank statement I noticed something odd. A check issued by the XXXX XXXX XXXX for the amount of {$7200.00} had been withdrawn from my XXXX  Account. This company is unknown to me. I called the bank and was told to come in and complete a Fraud Packet. I proceeded to do that and with the help of XXXX XXXX i completed the form and had it notarized. On XX/XX/2022 it was submitted and assigned the case # XXXX. On XX/XX/2022 I received a letter denying my claim for the following reason : the time frame for submitting a disputed transaction is 30 days after your related statement and date. Unfortunately, this dispute was submitted outside of that timeframe. I have subsequently learned that checks can be drawn from XXXX Accounts and have informed the bank to cease that practice with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I XXXX XXXX federally protected consumer have notified a third party debt collection agency called Ad Astra Recovery Services that they have infringed and are infringing on my right to privacy which is unalieable rights pursuant to UCC9-109. Please read the notice enclosed dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Prior complaint made and closed : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 Here is the resulting problem : Cal Bank & Trust states to you that it is XXXX XXXX XXXX XXXX  responsibility. 
However, XXXX will not provide any information for me to deal with XXXX XXXX XXXX -- how does a non customer obtain recourse with the Bank who cashed the check without any ID?? 
Shouldn't you direct this original complaint to XXXX XXXX XXXX  instead of merely close it and leave me with no options? 
Aren't Banks supposed to have procedures to follow? I am being kept totally in the dark. I am being given NO COPIES OF ANY CORRESPONDENCE FROM XXXX TO XXXX XXXX XXXX  and simply am forced to take their word for it -- WHY? 
Why is this all kept secret with the customer in the dark? 
Who do I contact to make sure that a check honored with out ID is reimbursed to 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 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX XXXX stated i never took back there equipment but i personally dropped it off at their office in XXXX arizona. It was time to close so the sales associate stated just to leave it and we do not need a receipt. I called they stated they never got it ; they tried to track it and they stated its fine ; you dropped it off you will be okay. Then i got calls at all times of the day for IC systems stating i have a collection with debt. I.C. system stated they would clear my report if i pay ; they were supposed to send something in writing they never did. I paid the debt and i never heard back ; the collection is on still on my account and i am hurting because of this. I can not buy a house, car because my credit is being affected

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 2022-07-06 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: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I received a letter in the mail from AmeriSave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX informing me of a credit report pull. Its states that I applied for a mortgage loan which I did not. 
Date ordered is XX/XX/2022 I attempted to speak to a representative at this location ( XXXX ) however nobody answered the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: West Coast Servicing, Inc.
State: NY

Complaint narrative:
There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX West Coast Servicing XXXX and without any written notice, now XXXX XXXX XXXX. 
The truth is the 6-year statue to file a foreclosure in New York State XXXX had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover froze my bank accounts and is holding my money ( and many other customers ' money ), based on " unusual activity '', and I can not connect with anyone at Discover to unfreeze my accounts ( it's been over 22 days as of this complaint ). 

I opened new bank accounts on XX/XX/XXXX, and deposited money ( over $ XXXX ) in them on XX/XX/XXXX. I was notified by Discover on XX/XX/XXXX ( via email and via a voicemail ) that my accounts had been frozen due to " unusual activity '', and that I needed to call XXXX to speak with a bank security specialist. Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen. 

I called Discover back on XX/XX/XXXX and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are XXXX XXXX, and that they were not available to help me, and that I would need to call back during those hours ; Discover advertises 24/7 customer support. 

I've placed over 50 calls in the past 22 days. I have spoken to a number of Discover customer service professionals, but they can not unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue. Furthermore, they do not have a single human at this point who can tell me what my account balances are I've tried to get help via XXXX, XXXX and XXXX, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all. See threads on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I have had an account with Credit Karma for about 3 years now and never had problem with the spend account/ till recently. This past XXXX my wallet and personal information was stolen from my bookbag, cause someone to have access to my accounts and information. My spend account was one of them to be hit and used for hotel transaction not one but many transactions. Credit karma has credited me back for the charges until recently after the last couple came of pending, I went to report, and everything went great till they locked my account. 



with no explanation or reasoning, if just guessed it was because of the hotel charges. so, I gave the pay stub as well statements from hotels saying they going to reimbursed some of the charges because they notice the mishap and that I had no fault. 

Well, it's been two weeks and credit Karama has not relapsed my funds... even when proper documents were given. no one has given me any reasoning. I called multiple times and only been hanged up on... I asked to speak to a manger or the dept whose working on my case and no answer or mi on hold for 3 hours. 



I called XXXX XXXX and all they cont. to do is transfer me to credit Karama.. I have medical problems taht need to be watched over. I needed my funds to get medication and as well supplies for my home and still can't gather any of it because my money is all tired up in this account, I been in the hospital twice due to me not taking my medication which can cause me to have XXXX failure and I mention this to Credit karma and nothing... I am highly upset and angry that they are putting my life sat risks like this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: ND

Complaint narrative:
We have been on a Forbearance Plan which was offered by Mr. Cooper Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a XXXX Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, I received a text from a friend advising me that she sent me {$2400.00} as a test transmission when trying to set up a Cashapp account ( see attachment ) and to please send the money back to her. I was alarmed to receive the email and called to verify with her that the text was legitimate and actually came from her. She verified that she did send the money and also sent the request for the return of the money. She said she was on the phone with XXXX and they were helping her set up her Cashapp account. I told her I thought it was a scam because XXXX wouldn't help her with that but she insisted it was not a scam and to send the money back. At that point, I went into m Cashapp account and saw where she did send me {$2400.00} which I immediately sent it right back ( funds never left my Cashapp account, see attachment ). She informed me the next day that the funds never went back to her account and she was scammed. I advised her to contact her bank ( XXXXXXXX XXXX  ), file a police report and the state Attorney General to try to get her money back. On XXXX XXXX, I received a text from Cashapp informing me that my friend filed a dispute with her bank for the {$2400.00} and they were refunding her the money from my XXXX XXXX XXXX XXXX account ( see attachment ). They withdrew {$2400.00} from my account without reviewing the transaction, my authorization. I never removed the funds into my bank account and sent the funds back t my friend via Cashapp. They have basically stolen my money in order to reimburse my friend for her negligence and allowing herself to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I don't Recognize None Of This Inquiries Please Remove Them From My 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 non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. These are the dates that I Have called Flagstar bank for updates on my Morgtage Loan. i applied for a Grant through the Homeowners Assistance program which provides struggling homeowners funds to apply to their mortgages to help them catch up on the arrears. This program was created by the Federal Government due to covid 19.The Program awarded me XXXX to pay for the arrears, taxes, HOA, Escrow, insurance. This total will completely catch me upon my Mortgage account. Flagstar Bank received the Wire transfer on XXXX XXXX. It was signed for by an Flagstar Bank Employee. However, the employee never posted the funds to my account. As of XXXX XXXX at XXXX, the funds have still not been posted. On the above dates I have called and tried to get answers, in which employees Of Flagstar have left me on hold for extended amounts of times 30 mis, transfer to several employees leaving me on hold for at least 30 mins, refused to transfer me to Supervisors or Supervisors refuses to answer the phone after i have been holding over 30 mins. Finally on XXXX XXXX i spoke with XXXX XXXXXXXX XXXX XXXX.said he was a supervisor and can't give his last name states he will send an email to the processing dept. 4th email. But have no ideal where the Funds are located. Please assist me in this matter to help prevent my home from going into Foreclosure. Other Employees i have spoken to ARE XXXX, XXXX, XXXX. All of whom would not give their last names or Id Numbers

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 2022-07-06 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: VA

Complaint narrative:
I was reading 18 usc 894 and it seem like Transunion is a part of a extortion scheme to with this alleged creditor to collect on an alleged extension of credit by continuing to report Inaccurate information to my consumer report. 

On XXXX XXXX I mailed Transunion a Dispute of Inaccurate and/ or incomplete information on my credit report/ profile. To this day I still haven't received a response close to 45 days later. 

The FCRA requires you to verify the validity of the item with in 30 days. If the account can not be verified, you are obligated by law to immediately remove the item. In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA which I intended to do if this account isn't removed immediately. 

I am willing to settle this matters amicably without having to file suit.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
creditor. XXXX XXXX  XXXX Please remove all comments including consumer statement

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 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation