vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hi, I signed up and enrolled for the {$100.00} savings account bonus from Marcus on XX/XX/2023. To receive the bonus, I had to deposit {$10000.00} or more and leave the money in the account until XX/XX/2023 with a payout on XX/XX/2023. I initiated a {$10000.00} transfer on XX/XX/2023 after enrolling and did not touch it. 

After not seeing the {$100.00} deposited on XX/XX/2023 I reached out to their support and was told " Thank you for your patience. Upon checking, I see that request has been submitted for the {$100.00} Cash Bonus. Rest assure {$100.00} cash bonus will be credited to your account. I would request you to please wait. '' I have reached out 3 times not to support for an update and each time I receive a mixed message response with no apparent update on the bonus. 

Best, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
( Ref ID - XXXX ) Paypal you are XXXX  wrong I don't care what you have to do to get ethical employees and quality Assurance that is fair & respectful of customers but you better find a solution to this XXXX backoffice that exploits XXXX and private class citizens from accessing their money cause I'm not having it or waiting another day for you to release my funds. You have all these rules and restrictions but the audacity to claim we can use your financial services securely. Today was hit milestone limit of your malicious and scrupulous ways. If you are going to advocate and market your services to consumers than let utilize them without prejudice. I was on the phone all day begging for support escalate the release of my account because a merchant owed me money & when the company actually agreed to pay me back you had the nerve to limit my account that was already restored 6days ago but you can't explain what actually went wrong~Nothing! You just keep sucking the life out of XXXX  and other ethnicities that are solid and grounded in financial stability. I'm XXXX  & instilled trust to deposit my money into your company with hopes that you would respect my interest. But your so called Back Office proliferates hatred and hostility towards consumers with racism and bias. I am XXXX  and you knew I called today to settle my account so I could conduct my medical billing for the week but you ignored my every regard to establish reciprocity. Foolish heathens how dare you try to make me wait 180 days to retrieve my money. You haven't given me anything but grief and XXXX  and the fact you solicit your services with segregation is beyond fathom. At least ask or notify a customers if you have concerns. Don't go pulling tricks and snaking customers behind their backs to take money that doesn't even belong to you. Keep it and practice common sense and professional values. You don't give anybody a PayPal XXXX to follow when they sign up but stay having the excuse to Limit their accounts just for utilizing the app features you say we can use. If I wana transfer money into my bank account or pay a bill that my prerogative It doesn't cost you anything~So why the heck do you train agent 's to tells us lies that it's in Paypal 's interest to protect us from risk when you are actually the ones practicing Shady compliance. Please release my money by tomorrow morning before I call a XXXX XXXX reporter to investigate your Compliance fraud. If you continue to violate consumer privacy & practice unjustifiable bias you will lose business from XXXX XXXX citizens. Please get a Public Relations Advisory to monitor the negation of your Back Office team cause they are running XXXX XXXX business like a XXXX plantation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I registered for Marcus by Goldman Sachs 's {$100.00} savings bonus and met all the criteria ( deposit {$10000.00} and leave money in the account for 90 days ) and did not receive the {$100.00} statement credit bonus. 

I opened on XX/XX/XXXX, had to hold through XX/XX/XXXX, to be paid by XX/XX/XXXX. 

I reached out over 5 times to Marcus by Goldman Sachs now and have been told, " The promotion was failed due to some technical issue, but please be assured, it is being manually tracked and you will be receiving your {$100.00} cash bonus with in few business days. '' After waiting another week and reaching out again, still no bonus and no concrete update on when I will receive it. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: OH

Complaint narrative:
I have had two debt collections on my credit report for XXXX XXXX, XXXX on XXXX, Equifax and XXXX. I have disputed them multiple times with Equifax and XXXX explaining to them there is errors and I am unaware of the account. Equifax and XXXX refuse to update the information and remove them from my credit report when it has been found that the collection in fact is an error by XXXX. XXXX found the error and removed it from my credit report but Equifax and XXXX have not. It is reported that is mine but not giving me the information that proves this is my account. The statement I am being sent is not valid information on what was done to investigate it or show how it is mine account. Equifax and XXXX has failed to follow correct procedures with the law on providing me the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a cd mature on XX/XX/23 with XXXX XXXX '. Was told there was a 10 day grace period to renew. On the renewal date, the rate for a 1 year cd was 5.20 % with a 'loyalty ' bonus of 5.40 % and that if the rate went up or down during the grace period, I would be entitled to the highest rate offered during that grace period. On XX/XX/23, with 2 days left on my grace period, I called in on a recorded call to renew at the 5.40 % rate with the understanding from representative 'Eithan XXXX that if the rate goes up in the 2 days left on the grace, I would get the higher rate. XXXX also indicated that if the rate goes down, I would be safe and locked in at the 5.40 % rate. I renewed on XX/XX/23 at 5.40 %. On XX/XX/23, I called in to confirm everything with 'Tay XXXX who I was told was a supervisor, told me my cd renewed at the 5.25 % rate. She was not professional, very condescending and could not help me get the error corrected. Also spoke to a representative by the name of XXXX XXXX who also could not help me. Very troubling situation, and very poor customer service from phone reps that appear to be in other countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NC

Complaint narrative:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Because I was vacationing outside the U.S. I sent money via bank bill pay to XXXXhree credit card companies in advance of receiving their bill. Two of the three were happy to receive money in advance of that money being due. CHASE however did not recognize that pre-payment as being toward the next statement I was to receive, and could not tell me how it was processed ( even though they did acknowledge receiving it. ). So in their accounting I did not pay that bill, which was less than what I sent them, and are charging me fees as past due. What kind of policy is that??? Money in advance doesnt work? 
I went through 2 Chase representatives and one supervisor to no avail. Please help a consumer who tried and did the right thing. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
Inaccurate, incomplete and erroneous information in my consumer report. I want information deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I placed a Complain ( # XXXX ) it came back as resolved??? 
There are many questions. 
1st Question : Hunter Warfield is indicating that " Interest is accruing at the legal interest rate on the account ''? I can not find that information on the Lease anywhere. Also what is the Legal Interest Rate? How much is that? where does that come from?

2nd Question : Water was inside the walls. Sheetrock can be Dry but Mold can grow inside ( Smell is very distinctive ) XXXX XXXX promised that they will get a " Professional '' company to make a full report. I am still waiting for the official report. 
XXXX show moisture meter which shows up to 12 % + of moisture ( 16 % is high moisture in walls ) I am still looking for the report that XXXX promised when I spoke with them. ( I did contact them about mold ) I told Cascade if they get me a professional report ( From certified Company ) indicating that there are no Mold inside the walls and under the cabinets I will pay the charges. 
Also location of the Moisture reading done by? is not indicated anywhere. 
How about under the cabinets ( There was 2 '' of water sitting in the kitchen / Living room area ) CFPB automatically accepting explanations without actual proofs from Hunter Warfield Inc. is not acceptable and I like CFPB to reopen this file. 
Hunter Warfield could have cost me Thousands in higher interest and I would like them to remove this charge immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I applied for a credit card with USAA as a company that offers XXXX banking and credit services. At the time of application, I had and continue to have fraud alerts on all XXXX credit repositories, as opposed to USAA contacting me to verify it was me that submitted the application as XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX all did, USAA has me in their data base of having a credit risk problem with them before dispute never having and account or verifying that it was me that submitted the application for a visa credit card ( which I did ) per ECOA, FCRA. I currently have XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX active credit cards with fico scores over 700. USAA is preventing me, a veteran from accessing services they earmark specifically for Veterans by saying they've had a consumer problem with me before solely based on USAA not doing the phone verification on the submission I maid applying for a USAA visa credit card. Because USAA has my profile listed as such, they won't even give me commercial insurance quotes for my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: AZ

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 Names and numbers as follows 1 : XXXX  XXXX Account Number XXXX XXXX : XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 writter 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
1. This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act this credit CREDIT COLLECTION SERVICE has violated my rights. They assumed the debt of XXXX. XXXX and I have a dispute. A file with the Department of Banking and XXXX places the XXXX claim places this amount in dispute. Moreover it alleges XXXX acted in bad faith and I am due damages. Further 15 USC 1681 Section 602 states I have the right to privacy. This reporting is an improper us of my report. 15 USC 1681 Section 604a ( 2 ) Section 2 a consume reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment as late under a open 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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a follow up to an earlier complaint against Webster Bank - branch on XXXX XXXX in XXXX. I have been trying to add beneficieries to my checking and savings accounts for months. Once I visited the branch and they told me I need to physically bring my beneficiaries to the branch in order to add them. This is crazy because they live out of state! Second time I was told I can add by filling our a form on line. I looked many times and had a banking attorney look - there is no beneficiary form. I called customer service, they confirmed there is no beneficiary form but also said I don't have to bring my beneficiaries to the branch. I just need their information. Customer Service rep said he'll send an email to the branch. Right after, last Saturday, XX/XX/XXXX, I got a call asking me for all the information over the phone but I was driving and said I'll stop by the branch on Monday. Today, XX/XX/XXXX, I stopped by the branch and the representative XXXX XXXX said I have to have my deceased wife removed from the account before I can add beneficiaries. My attorneys who are working on the estate talked to him and told him it's not possible to remove her yet because the estate is not yet closed and she'll be receiving Social Security and other pension pay outs of a few more months. XXXX insisted that beneficiaries can't be added without removing my deceased wife. My lawyers tried to explain that beneficiaries has nothing to do with her being on the account and there is a valid XXXX XXXX and asked to speak to a XXXX or legal department. XXXX wouldn't accept that and told us to call Customer Service. So Webster Bank is denying me the right to structure my estate because of some incomprehensible rule they adopted. I'm XXXX XXXX XXXX and their policies, procedures and uninformed employees have dragged this simple process on for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to XXXX, XXXX and Equifax and they are still reflecting on my account. 
-XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXXXXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to XXXX, Experian and XXXX and they are still reflecting on my account. 
-XXXX XXXX  Inquired on XX/XX/2023 -XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023

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