vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I am an XXXXXXXX XXXX. I enrolled in my employer XXXXXXXX XXXXXXXX XXXX  and received the proceeds from my first sale a few weeks ago. The amount wired to my Goldman Sachs ( GS ) bank account was {$52.00}, XXXX. I transferred that money out to pay for expenses that I needed to cover. However, GS called and said that the amount had been reversed and the new, correct amount had been posted of {$25.00}XXXX XXXX and now I have a negative balance of XXXX XXXX XXXX  I did not know how much to expect because this first wire was the result of several trades during the mandatory quiet period. Like any direct deposit, I trusted that the amount was correct. 

I called XXXX XXXX ( XXXX XXXX and they said they sent out the right amount so they don't know how this happened. XXXX has also confirmed with XXXX that they posted the right amount to GS. This is confirmed by the wire trace. The correct amount was sent to GS so now XXXX can not see what happens once they post the right amount. However, now GS says unless they get the money back they have to terminate my relationship and I can no longer do banking with them. 

My account still stands at a negative balance until the money is returned. But this is an error on Goldman Sachs part, not mine. This has impacted my standing at other banks as my day-to-day bank XXXX XXXX closed my account as I have been flagged as a high risk customer. GS is treating me like I committed fraud although I have done nothing wrong and continues to insist that I give the money back- this is money that I do not have. As they have all noted it, I immediately transferred it out to XXXX XXXX to pay other debts. It looks like they simply transposed the amount incorrectly ( XXXX vs XXXX ) butt this is their error, not mine. 

XXXX provided me with a reference number for GS and XXXX to discuss my case, but GS has not acted on this and continues to iterate that my account is not in good standing without investigating or taking ownership of the problem that they created. I have filed a complaint with the Federal Reserve Board as well. Goldman needs to right this, but they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I had got a car in 2017 from CREDIT ACCEPTANCE CORPOR my car was talking and I had difficulties or financial problems and family problems and I couldnt afford to pay it off but it still open and it got some that I paid on there and they took off and it just a whole bunch of stuff on my credit thats on there thats unreasonable

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 monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am unable send payments due to recent payment activity. I explained there is no fraud on my account and it was me who sent a small test payment to maksl sure it went through successfully. Then I sent the full amand was denied. I am requesting this hold be removed as I am the account holder and the person expecting the money needs it for important matters. They should not be doing this to customers. There should be a timelines for temporary hold. Inhave seen others complaining about the same issue. Perhaps their security processes need to be investigated and changed. This is unacceptable treatment towards customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX 's XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX Over the past XXXX plus years I have purchased at minimum XXXX vehicles from XXXX, including a used vehicle for my daughter which I co-signed for. That transaction was reported to my credit file as joint and the bills came addressed to both myself and my daughter. 
In XXXX, my husband went to XXXX to purchase a vehicle, a short time later he called to ask if I would co-sign for the vehicle, which I agreed to. 
Later that evening, the salesman and my husband arrived at my home, the salesman stated that he needed me to sign the paperwork, during which, I noticed my name was first followed by my husbands. I inquired if that was correct because when I co-signed for my daughter her name was first on the contract. He assured me he was doing the deal the same way as last time and that I was co-signing. I asked him to provide me a copy of the paper when completed. Which he agreed to do but never provided Approximately a month later, my credit report indicated that I was the signer for XXXX ( XXXX XXXX ), without my husbands name. 
I contacted the salesman and told him what transpired, he assured me that was correct because we are in a community property state, and signer meant that I co-signed, he stated the paperwork was submitted just as it had been when I purchased the car with my daughter. When my husband went to the dealership, the salesman told him it would be corrected and re-submitted. 
I disputed the item on my credit report, requesting it show the financing as jointly with XXXX XXXX. The entry was corrected as requested. 
I then began receiving billing statements from XXXX ( XXXX XXXX ) which indicate only my name. On the registration it shows only my husband 's name. 
On XX/XX/XXXX I checked my credit report again and the entry returned as showing only me as the signer.

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 2024-03-07 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: SC

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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is in a transitional period transferring from visa credit cards to XXXX credit cards. A bill pay payment that was made through my Wells Fargo checking account dated on XX/XX/XXXX for {$2500.00} was sent to Wells Fargo visa. I noticed that my credit card did not reflect this payment and cold Wells Fargo on XX/XX/XXXX and reported problem. The next day I stopped at a branch in XXXX FL Florida and followed up to make sure they were working on applying the payment. This situation is not disputed from Wells Fargo, but they seem to be unable to apply the payment to the transitioned visa card that is now a XXXX. As of today XX/XX/XXXX, I still am not showing any payment. As I've reiterated to them, I consider this payment either lost or stolen if it does not show up on my account. Have spoken to a dozen different people from all levels of management and all they ever say is we have made the request to get the payment applied. I have already been charged late fees and financial charges that Wells Fargo has committed that they will remove any financial charge associated with this problem. With the amount of time that has gone by I request an investigation into the problems with Wells Fargo.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
My company, XXXX XXXX XXXX, worked with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX until XXXX XXXX or so. At a certain point in time, a miscommunication on their end caused the relationship to be severed because the departments within XXXX were unable to communicate with each other, causing two parts of the company to simultaneously keep withdrawing money from my account ( to pay debts owed ). Part of this relationship entailed them holding onto reserve funds of 15 % that they would give us on a rolling 3 month basis. However, they claim they accidentally forgot to set that up. Upon circling back and asking for my reserve funds, instead, they said we owe them nearly {$4500.00}. I asked for the two forms of proof required to validate this claim. They only provided one, which can not be proven, and ignored the other request for the reserve ledger which is the more important piece as it would validate they owe money. This was in XXXX. I continued following up and they ignored me and recently sent my company to collections. As I do not intend to pay a bill I do not owe money for and since they can not furnish proof that I owe this money, I am concerned that they are misrepresenting money owed. I spoke to my counsel and my counsel said this is a common tactic by XXXX and they never return money. By extension, I am assuming the claim of {$4500.00} is completely bogus and they likely owe me $ XXXX. Right now, since I have no means to access the old records, all I want is my debt written off. If I can get my reserve funds, even better. But I do not want a tarnished reputation because of an inept and unethical company who apparently is known to do this to others according to the lawyer. This company should be carefully investigated and audited but right now my concern is for my reputation only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my Equifax data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Certain listed accounts seem to be incorrect, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my XXXX data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It's my understanding that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts seem inaccurate, and it's unsettling for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: MD

Complaint narrative:
DESIGNED RECEIVABLE SO Original creditor : XXXX XXXX XXXX Account number XXXX  Date opened : XX/XX/year> They have not provided debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Experian, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07 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: SC

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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
This company did not provide me any about this debt. At this time I had insurance and also Medicaid. I provided the comps with proof and also the facility should have paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.

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 2024-03-07 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: SC

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-03-07 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXXy emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number :

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