vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
There were purchases made on the card that were fraudulent and they closed the card and didn't investigate at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an Amex Gift Card. 

I have attempt to use this on XXXX, XXXX and various online retailers ( less than the face value of the card ) and all transactions have been declined. 

Online, it appears may people have had similar issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Calling friends and the agent provided them with my social security number and birthday which is personal information not to be shared with random people. He said his name was 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached affidavit and dispute letter, which is dated, and time stamped. I have also sent an email letter directly to XXXX XXXX XXXX at both XXXX, and XXXX. I am not sure why there is a late payment reporting to Experian for the months of XXXX and XX/XX/year>, but I was never late, and no other bureau has reported this. I have diligently tried to address this matter for over a year through various channels, including the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX providing documentation of the inaccuracies in reporting. Despite my efforts, the issue remains unresolved. I will attach my credit report to this CFPB complaint to show the erroneous error.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Fraudulent Unauthorized Accounts : 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: ME

Complaint narrative:
I had my account hacked in credit karma. 15 min after the first wire transfer I was on the phone with credit karma that was about XXXXXXXX XXXX est on Sunday XX/XX/XXXX. While on the phone with credit karma a second transfer went thru un authorized. I told them to put a lock on my account so I could keep the last of my tax return. They put in a ticket but I guess forgot to freeze my account as I woke up Monday morning and the rest of my money was transfered to the same account ending in XXXX. They even transfered money from my savings to my checking to make sure they got it all. I did not authorize any of the wireless transactions. I can not speak with a person as they say all happens by email and I never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity 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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit 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: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
I've had Google XXXX account for years.. I made a purchase last XX/XX/XXXX. I never received the item ( earbuds- {$210.00} ), I suspect it may have been stolen. I shouldn't be held liable for something not in my possession I've made multiple attempts to dispute with Google XXXX, to no avail! 

Im sure theres a way to track the item but Im not getting cooperation to resolve the issue, Pls help dispute and resolve this with a proper due credit thank you!

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union reps keep telling me that they are the fraud department when they arent. They talk over me and transfer me endlessly and my concern is still not solved. I called in today and was transferred to five different reps, one twice and still no one could help me. The rep told me that I would need to look at my credit file. I told her that Im looking right at it and thats why Im calling in to speak with someone about it and she hung the phone up even though in the beginning the call they ask for your email and telephone number in case call gets disconnected. She never called back which means she hung up on purpose. Ive paid for membership and fraud protection and Im not getting help with eaither one.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXXXXXX : XXXX As a consumer by law, this account must be deleted 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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
MOHELA transferred my student loan to be managed by a new division within their company. I was emailed about the transition stating that my account number would be changing and therefore I would need to update my automatic payments with this new account number and send payment to a new XXXX XXXX . During the month long transition in XXXX, I continued making electronic payments via XXXX  XXXX XXXX using the new address but was not provided my new account number. Once the transition was completed, I was emailed by MOHELA to create a new profile on their portal. The new profile shows none of my previous payment history and has my account past due. Additionally my last 10 weekly payments have not posted to my account. XXXX  XXXX XXXX has confirmed that the payments were processed electronically and MOHELA has taken the funds. When I called Customer support, I was told it could be another 30 business days until my payments may be accurately posted to my account. I am concerned that my payments are going into a black hole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Spoke to XXXX in Customer Service regarding account ending in XXXX, who verified the solution with a supervisor ( put me on hold ) : they charged me a {$35.00} fee for a ACH payment return which was drawn on funds in THEIR bank. Auto payment is scheduled for the XXXX. She told me to call back in a week to verify the deletion of the fee as the payment went through the same day it was recorded as returned. 

I called back XXXX and was told by XXXX XXXX who asked my PIN #? ) that it couldn't be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: GA

Complaint narrative:
This is another predatory loan company that has an interest rate of 727.26 % which at the time I took the loan out I was not aware of how HIGHLY illegal it is in my state of Georgia. I took out a small loan and would have to pay back almost 4 times the amount that I borrowed.. again their interest rates are ILLEGAL in my state of Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I used TransferWise 's services with no problems for a few months. From XXXX or XX/XX/XXXX, my transfers began getting cancelled. 

Initially, the company was unable to explain why although eventually they decided it was a verification problem. I submitted my documents and pictures of my face multiple occasions in order to try to resolve this issue. In good faith, I called what must have been 10 or more times to their customer service but the issue was never resolved. As of XX/XX/XXXX, this issue still isn't resolved. 

I tried to withdraw my standing balance of {$130.00} but TransferWise are blocking this withdrawal and are aiming to retain the funds. They continually send me through the same customer service loop but refuse ultimately to verify my documents or explain how this matter can be resolved. 

This has been going on for 9 months and my money is just simply stuck in this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
Between XXXX through XXXX, several XXXX XXXX XXXX of U. S. Department of Education managed FFEL 's # XXXX and # XXXX disbursed to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, the then Financial aid Director admitted FFEL # XXXX disbursed to it in the amount of {$5000.00} was refunded to XXXX XXXX. To date that loan has not been credited to my FFEL account ; XXXX  on XX/XX/XXXX, admitted that XXXX XXXX XXXX XXXX XXXX XXXX refunded FFELs # XXXX and # XXXX in the amount of {$10000.00} -- ( # XXXX {$4200.00} ; # XXXX {$6000.00} ) neither was refunded on XX/XX/XXXX, or to date those FFELs were not credited to my account. XXXX between XXXX thru XX/XX/XXXX garnished wages, offset federal tax refunds and garnished XXXX incomes. It confiscated over {$18000.00} for FFEL # XXXX debt of {$4200.00} disbursed to XXXX. XXXX violated DOL provision of 15 % of disposable income. It took 17 %. It owes me {$14000.00} without interest. U. S. DOE disbursed FFELs # XXXX thru # XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attended XXXX and XXXX ; however, XX/XX/XXXX, Secretary of Ed., XXXX XXXX withdrew Council on XXXX XXXX XXXX XXXX accreditation and neither school was entitled to participate in XXXX XXXX  funds. DOE failed to conduct XXXX, it disbursed {$26000.00} to XXXX schools with accreditation. Roughly {$70000.00} of loans repaid, fraud and ID theft used to obtain loans was not credited to reduce my alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I saw a collection account on all three of my credit files. I was not familiar with the account with Credence Resource Management. I contacted the creditor to ask for the account to be validate as mine. The company agreed to send the validation. I am attaching the form they sent me. One page is the front of the document and the other page is the back of the document. You will see why I'm suspicious of this account. It doesn't seem legit. I contacted XXXX XXXX XXXX  the alleged original creditor. I was told that they could not find an account in my name. I contacted CRM a second time and asked for a signed contract from me. I was asked several questions for personal information, in which I refused to answer. I am a past fraud victim, and take all precautions to prevent becoming a victim again. I have not received any other information from this creditor. I disputed this account with the credit bureaus. It was removed from XXXX credit file, but remains on XXXX and XXXX credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The bank froze my business checking accout due to an electronic deposit from a client that made the mistake of putitng their own name for the deposit instead of my business. 
The total was {$100000.00}. They froze my entire account which had {$18000.00} in it with the balance funds that had been available for weeks. 
Now I can not access my cleraed cash form within the account and my business can not do any work. 
They will not do anything. They do not have the right to hold my funds that have been cleared yet they will do nothing. This has affected my business and I have not been able to work due to this. 
What legal action do I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
1 ) I received the letter of eligibility for XXXX on XX/XX/XXXX, dated XXXX XXXX ( a week of valuable time spent in transit ). 

2 ) I contacted Fay Servicing on XX/XX/year> to accept the offer of the XXXX and was informed it was '' too late. '' However, Fay Servicing 's correspondence stated I had until XX/XX/year> XXXX ) When I referred to the letter stating the offer must be accepted before XX/XX/year>, the representative was argumentative stating " There is not enough time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief