vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I deposited {$41000.00} into a high yield savings account with Marcus on XX/XX/XXXX for the account opened on XX/XX/XXXX. My daughter referred me from her Marcus account so that we could both get their 1 % 3-month referral interest boost. I was immediately locked out of my account. I called them in early XXXX and was told I'd have to complete an Affidavit of Identity Form. I completed this form and sent it back immediately, paying to have it notarized. I did not hear from them and was still locked out, so I called them back and was told my form wasn't notarized ( even though it was ). They said they would send me another form to complete which I never received. 

XX/XX/XXXX I received an email that they closed my savings account. I called and was told they had closed it due to the funds not being claimed. What were they going to do with my money? I was told they would investigate this and to call them back on Wednesday, XX/XX/XXXX with no direct number to call except their main phone line to go over my case and have my funds transferred back to my bank. They haven't communicated with me and I've been on hold for hours trying to resolve this with them. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I wanted to provide supporting documentation regarding the dispute. With my Google Ads I received a notification that I had to remove the zip code associated with my Google Ad, as zip codes now fall under housing discrimination. Since I am a XXXX I can only provide services that are local to me. I reached out to Google with a phone call on XX/XX/XXXX. I was on hold for over 3 hrs ( attached ) without speaking to anyone before I finally disconnected. I reached out to them the same day via their chat option. I explained on the chat what was going on and followed the instructions of their agent. I was reassured my XXXX would still only show locally. I have screenshots of the chat. On XX/XX/XXXX I noticed that my ad was being shown only in XXXX, a location I can not service. I immediately paused my Ad, which should prevent it from being active. I contacted Google and was advised that I was supposed to change something with a target location of the XXXX in addition to what I was advised by their agent on XX/XX/XXXX. On XX/XX/XXXX I asked for a refund and was advised they would not issue a refund of the {$500.00} that had been spent advertising in XXXX. I also have screenshots of that chat. In addition I received a call from one of their reps in XXXX. I did not get her name. She said they would not offer me a refund and that request for a refund has already been denied twice by the department, the best she could offer was a {$100.00} Google Ad Credit, which I refused. I subsequently noticed an additional {$63.00} charge from Google on XX/XX/XXXX. Since my ad  was still paused, there should not have been any additional charges. On XX/XX/XXXX I had a video meeting with my new account manager XXXX. We went over my ad in great detail and I made my ad active again. I asked him about a refund of the {$500.00} & {$63.00}. He said he can't help with refunds and referred me to the department that has already denied my request at least twice. 
I have since contacted Google directly 3 times to get the balance removed. When I call they say the department I need to speak with doesnt accept phone calls, when I chat with them they also say the department isnt available via chat, only email. When I email them someone will call me and I try to explain what happened. They say theyll look into it and I never hear back from them this has happened over 3 times. Google is denying my request for a {$560.00} refund because the target areas I requested were excluded. I explained that any changes I made were at the guidance of a Google employee and provided screenshots of the chat conversations as support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Recoveries, Inc.
State: IL

Complaint narrative:
Financial Recoveries Inc is calling and threatening me for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXXXXXX XXXX XXXX INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: UT

Complaint narrative:
Trying to get my free report from AmRent with no success. I sent the email asking for a free report and they replied via email and said theyll only work with me via phone, fax ( fax?! ), or physical mail. Tried to call the number and the reps have absolutely no idea what to do or where to transfer me. Saying they have compliance and privacy departments but no way to transfer to them. Just had the same issue with both AmRent and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a medical procedure that required a prepayment prior to the XXXX even though my insurance was going to fully cover the procedure. I made the 25 % prepayment of {$1100.00} on XX/XX/XXXX or XXXX XXXX using my Citi credit Card ( shows as XXXX XXXX XXXX XXXX XXXX XXXX on my statement ). After the hospital billed my insurance, the insurance Explanation of Benefits stated I should have made no copayments. I contacted the hospital numerous times to request a refund of the {$1100.00}, but nobody ever responded or answered my calls. 

A week later, on XXXX. XXXX, I submitted a dispute to Citi for the charge with all information supporting my claim. When submitting the dispute, I filled in information as accurately as possible - I did make this payment, but I was not supposed to be charged anything and was requesting a full refund. Citi 's web portal would not allow me to enter " XXXX '' as the amount I should have been charged, so I had to enter some non-zero value. I opened the dispute disputing {$1100.00} instead. I called Citi 2 days later, on XXXX. XXXX, to update the amount to {$1100.00} and was told they'd submitted the update request and it may take a few days. 

On XXXX. XXXX, XXXX XXXX finally responded to my initial requests and refunded the full payment amount stating it'd take 3-7 days for the credit to appear. I received an email confirmation from their service detailing this refund. 

On XX/XX/XXXX, Citi closed the dispute without updating the disputed amount nor did they provide the full refund, leaving the refund at {$1100.00}. 

I contacted Citi again via phone on XXXX. XXXX to follow up on the adjustment for the amount and was told that the request is still open. 

I was informed today, XX/XX/21, that Citi declined refunding my positive card balance because of this dispute ( although the dispute is closed ). I have reached out to them via chat today, XX/XX/21, requesting the last cent to be refunded, which is absurd that I even have to do, speaking to XXXX. I have not gotten this full refund yet.

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 2023-04-21 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This account was transferred to another lender so the balance should be $ XXXXBMW FINANCIAL SERVICES claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TX

Complaint narrative:
This is a formal notice that transunion has failed to respond in a timely manner to my dispute letter of XX/XX/25, deposited by registered mail with the U.S. Postal Service on that date. I sent proof of my address verifying it was indeed me. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I also filed a complaint that was incomplete because I asked for the XXXX account be removed and they responded they where deleting something else that was not on my credit. 
A complete investigation was never complete Complaint : Filed with CFPB XXXX which is closed and wasnt resolved.

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 2023-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Issue : Mohela is not correctly processing my PSLF application for XXXX XXXXXXXX XXXX XXXX The application was submitted to Mohela on XX/XX/. They mentioned it may take a few months to process, but all other employers were approved besides XXXX XXXXXXXX XXXX XXXX. On XX/XX/ we called Mohela and spoke to a gentleman named XXXX. He mentioned that the application did not have any issues and he was unsure the reason it was denied. I explained how the employer was closed and offered to submit any additional documents needed. After uploading multiple documents including W2s forms, and other proving it was a non for profit there has been no updates. Every time we have called since we are instructed to be patient because a review is underway. My PSLF application is being wrongfully denied and because of this I am unable to receive my forgiveness. I have also been in contact with my local congressman for assistants on how to get this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, a cash app amount of {$400.00} was sent to an individual for a purchase. I never received my purchased a false tracking number was created and sent with no updates. So the charge was fraudulent and turned out to be a scammer using a fake identity of someone else. Reach out to my bank and they couldnt help since it was through cash app. Reach out to cash app but they dont give refunds. Something needs to be done about them not returning people funds when stuff like this occurs. The scams always get away with people funds. Thats not right to get free money off working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX I went to TD bank Branch on XXXX XXXX XXXX XXXX DE with {$3000.00} cash and I used the ATM Machine To deposit my Money. The cash which was my pay By the way was in a form of Mixed Bills XXXX and XXXX bills. Since I already know that the machine won't accept that many bill at the same time so I decided to do two deposit consecutively. I made the first deposit with out paying attention to how much exactly it was, It went trough fine with no problem and the second transaction after I put the stack of cash in the machine that's when an Error occurred and the machine get stocked. I got a message asking me approximately how much was my Deposit? Since I wasn't sure I just Put a number {$1800.00} Hoping that whoever will handle the transaction will figure out how much it was. All I know at that time That I had {$3000.00} in Cash. When I Check My Account Later I found out that Indeed the first deposit was {$2100.00} so instead of XXXX That I put it should have been {$880.00}. I called them The next Business day to correct it. They Open a dispute case on my behalf and they tole me that they will Count the deposits in their defaulted Machine and let me Know. At the Mean Time they Gave me credit for my {$880.00}. I received a letter from them few days ago saying that the case was closed to my favor and no more actions will be required. I was Shock when i checked My account on XXXXXX/XX/23 to see that they went to my account and took the {$880.00} again Unjustly. Someone did not do his job Right. I'm sure If they had Counted their Money right in that Machine we wouldn't be having this complaint.

I Really appreciate your help resolving this matter. If I was really a bad guy or trying to cheat them I would have stick to the original Number That I put the first time which is {$1800.00} but Instead I was Honest and That's what I get because of My Honesty.

Please Help me resolve this Issue.

Respectfully Yours. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to XXXX requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/23 I received an email stating Capital One closed my account. I went to a nearby branch and they stated that they closed my account due to the fact that I filed a fraudulent claim. I did not file a fraudulent claim. I reached out to the merchant, XXXX for a couple of weeks without a response before deciding to file a claim of goods not received. 4 Days after I filed my claim the merchant sent a tracking number. I still have not received the goods. It is highly unfair that they would close all of my accounts for this reason when the reason is incorrent. I can provide the tracking that was sent to me AFTER i filed the dispute. Capital One has the worst customer service of any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: DC

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that i have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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