vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On the XXXX XXXX XXXX XXXX i called about Marcus by Goldman Sachs and requested my account should be closed, and my remaining balance of $ XXXX be sent to me, but till this very day and after more than 7 calls from me to them on different days. They keep on telling me the same thing every time, that the account is under review and i should call back in 3 days which i always did and they keep telling me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXX XXXX XXXX XXXX MD XXXX, My jobs are XXXX XXXX XXXX formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX  year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX  that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane Ida. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. XXXX maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the XXXX online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted XXXX regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the XXXX portal during this entire period was {$0.00}. XXXX relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by XXXX stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, XXXX stated that I had not been delinquent in payments. Upon closing my loan with XXXX, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
XXXX will not update my world finance and XXXX XXXX account to show XXXX XXXX instead they will hang up and not fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IA

Complaint narrative:
Aargon AGENCY Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Sent a collection attempt saying I owed a {$1800.00}. When I logged on to view the account online through the instructions on the document sent it shows one payment of XXXX plus dollars to which I did not pay, have no idea where this alleged payment, would like an entire summary of this alleged debt to which my belief is total fraud. In addition this has all the earmarks of a fraudulently, deceived disclosure, and a breach of Consumer protection Act. Fleecing of my trust account violating Title 18 USC-1028a-Aggravated Identity Theft, Consumer protection Act, breach of trust, trust laws violated, theft, Title 15 USC-1600-1681, Title 18 USC-8 shows all bills are prepaid. The reality is I, the natural man knows the entire process according to the laws within USCodes, UCC, CFR, and Commerce. The fleecing of adverse claims submitting fraudulent claims against my all caps corporate transmitting utility vessel to operate in Commerce for business. The unauthorized collection service against my trust were done without my direct written consent. This violates Federal Reserve Act, Emergency Banking Act, Birth Certificate Act, SECURITIES Exchange Act, Bill of Exchange Act, as well as many more.

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 2023-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient charges me late fees even though I am on a IBR program and have been for years. Every time I pay their " late fees '' they repopulate and I have to pay more. The " late fees '' are more than my repayment plan. I have pushed and pushed and they continue to charge the so called late fees no matter how many times I pay them. My IBR payments are due on or before the XXXX of the month. I have made three payments to them this month and more and more fees generate. They say they are justified and I can do nothing to stop them from taking advantage of me and draining my financial situation until I have no money to even buy groceries. This is exhausting mentally and financially. I should not have to choose between feeding my family and paying back loans that were taken to better my life. The degree was worthless from XXXX and Sally Mae ( Navient ) pushed me into forbearance instead of better options. My loans are three times the amount I actually took out. Please stop them from charging these ridiculous fees. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Sentry Credit, Inc.
State: TX

Complaint narrative:
SENTRY CREDIT INC # XXXX has violated my rights. 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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My card was taken back in XXXX I disputed chargers I was given a provisional credit and they denied my claim and have taken credit back. They refuse to pull up ATM footage. They claim I authorized transaction bc whoever has my pin but my pin was mauled to me as well. My account is XXXX  error drawn by XXXX and bow they have taken my check and put it towards overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
New mortgage servicer, " Shellpoint '' is charging me {$60.00} for property inspection that I did not approved or have any knowledge of. 
The dates of these charges are XX/XX/XXXX and XX/XX/2023 I tried to get these charges waived or dropped during several phone conversations with their customers service Dept. to no avail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 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: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / United Wholesale Mortgage that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane XXXX. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. UWM maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the UWM online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted UWM regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the UWM portal during this entire period was {$0.00}. UWM relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by UWM stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, UWM stated that I had not been delinquent in payments. Upon closing my loan with UWM, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In full attempt retaliate my prior complaint against XXXX XXXX XXXX I attempted to make my payment on XX/XX/XXXX ; my prior payment methods using bank account and debit cards have been blocked by XXXX. I notified the ASSISTANT VP XXXX on XX/XX/XXXX ; immediately my account was listed as 30 days late on XX/XX/XXXX ; it was 1 day past the due date In the meantime I was sent an extension reqyfor another consumer, XXXX XXXX. I is very clear this company likely has an extension history of incompetence and retaliation. What are my rights to be financially compensated for retaliation for a previous complaint? What are the consumer rights to be protected against retaliation by a company.

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 2023-05-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to Experian XXXX and XXXX Inconsistent incomplete and inaccurate errors are as following Experian reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all XXXX reports account open no past due no term no payment no past due balance Experian XXXX and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to 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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Goldman Sach 's is stating that they never received the payment on the credit card which is more than enough to pay off the balance.

I am not able to get this resolved.

I have enclosed proof of the cancelled check.

Thank You! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is allowing XXXX to falsely report my account as 30 days late when I paid on the 29th day. I disputed this two times now and they continue to list my XX/XX/2023 payment as 30 days late on my credit report harming my credit score. I paid XXXX the same way and it has been reported paid as agreed. Below you will find the exact copy from the emails I received from XXXX. 

" Auto account ending in : XXXX Date:XXXX Your payment is now 27 days past due. To avoid negatively impacting your credit, log in or call us at XXXX to make your payment or view other payment options. '' " You successfully scheduled your XXXX  XXXX payment onXXXX Auto account ending in : XXXX Payment amount : {$790.00} Confirmation number : XXXX Payment frequency : One-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 2023-05-03 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: GA

Complaint narrative:
I applied for the Equifax Data Breach Settlement on XX/XX/2022. I updated my address after moving however, I received a notification by email that my payment would be reissued as I believe it was mailed to my previous address. I have yet to receive the payment. Mail forwarding was on my previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Marcus by XXXX had savings account promotion. {$10000.00} new deposit for 90 days with {$100.00} interest bonus. 
I deposited funds XX/XX/2023. The balance of savings Never was below {$10000.00}. 

XXXX XXXX. {$100.00} interest bonus NOT paid. 
Call center, after 40 minutes, said system would NOT pay. Said customer service would call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX claimed that their equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXX XXXX XXXX, who found in my favor. Since then, the supposed " debt '' has been passed on to different collectors, and I am constantly having to provide proof that this is not a viable debt.

The latest collection agency to handle this non-debt, has been Resurgent, and although I have sent them proof that this is NOT a viable debt, they continue to refuse to acknowledge the truth or remove the debt from their books. Instead, they continue to send a form letter telling me of their intention to collect the unpaid amount. Calls to their XXXX number are ineffective as they claim a previous cease and desist order prevents them from discussing the case. 

They have also refused to establish the validly of the debt, instead, they have provided me with the date and amount of the supposed debt, but have not made any attempt to actually verify the debt with XXXX, or investigate or acknowledge the undisputed evidence that they have received clearly indicating that there is not a valid debt. 

Despite the acceptance of a stop and desist order, the refusal by Resurgent to remove the bogus debt from their books, leaves this issue unresolved with possible consequences to my credit rating.

I need to have this issue resolved once and for all to prevent future possible damage to my economic standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We mailed an endorsed insurance claim check along with a personal check of mine to Ally Auto Finance using a United States Priority Mail envelope by cutting out the delivery address from the payment slip of the statement and pasting it on the envelope, then personally dropping it off at the post office and paying additional postage. The tracking number on my receipt is XXXX XXXX XXXX XXXX XXXX XXXX and it shows delivered on XX/XX/XXXX at XXXXXXXX XXXX. On my first call two days ago, the representative stated not receiving such payments and on my second call yesterday the representative stated they received the payments and holding them for unknown reasons. I also received text messages that my payments were not made on time due the XXXX of XXXX. 

insurance check # XXXX in the amount of {$2200.00} personal check # XXXX in the amount of {$350.00}

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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
As for today I have disputed this alleged debt with this creditor Caine & weiner company to investigate this alleged debt inwhich they claimed to valid this debt of XXXX dollars I asked in reply to their investigation for a method of validation of debt on which a bill was sent back as validation only to have the wrong amount on the bill as of XXXX dollars I replied to reinvestigate this matter in the meantime delete this account inwhich it was twice and as of today put back on my report despite the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Received a flier in the mail to receive {$10.00} when you make five purchases with my Comenity credit card. I made five purchases within the time frame specified and I did not receive the {$10.00} bonus. The company was not helpful when I sent messages to resolve it.

Company response to consumer: Closed with explanation