vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/2023 I opened an Apple Savings Account and linked an external bank account ( XXXX  ) to fund the Apple Savings Account in the amount of {$160000.00} USD. On XX/XX/2023 I withdrew {$5000.00} USD back to the funding account, leaving a balance of {$160000.00} in Apple Savings. On XX/XX/XXXX an interest payment was added to the balance in the amount of {$210.00}. 
The current balance of the account was now {$160000.00}. 
I made the decision to move this full amount into another bank ( XXXX ) that provided a higher yield XXXX vs XXXX. The new savings account was opened XX/XX/XXXX and they deposited micro deposits to verify my ownership of the Apple Savings prior to moving the funds. After verifying, the new higher yield savings account ( XXXX ) attempted to fund the account the balance {$160000.00} which resulted in Apple locking my Apple Savings account. I contacted Apple Savings and they said they were unable to process this transfer and that I would only be able to withdraw all funds back to my original account that funded my Apple Savings ( XXXX ). Apple Savings unblocked my account and I was able to submit a request to withdraw my funds. 
I processed this withdrawal request on XX/XX/2023. The Apple Savings account immediately went to a {$0.00} balance. Since the withdrawal request, I now randomly get notifications from Apple Savings saying my account has been locked/restricted which require me to be on hold for hours a time, being passed off from agent to agent while they investigate with no real explanation as to why my account is being locked. 
As far as Apple Savings is concerned per my last call on XX/XX/XXXX, the money from the XX/XX/XXXX withdrawal request has left their system. It's now XX/XX/XXXX and the receiving bank ( XXXX  ) still sees no trace of the ACH being sent from Apple Savings ( I contacted them to verify ). So now I'm stuck with no access to my $ XXXX which is in limbo, with no interest being accrued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: WI

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2023 i opened an account with Citibank online. I had a few depsots placed into my account totaling about {$140.00}. About a week later i noticed issues with accessing my account. When i called they accused me of depositing a fraudulent check. Citibank then froze my account with my knowledge. When i tried to call again they stated that my account was going to be closed with no mention of receiving refund of the balance of my account. After calling back today XX/XX/XXXX i was told that it would be about 30-60 days until they close my account fully before a check from there corporate wouyld be mailed out for the remaining balance. i have call several time between XX/XX/XXXX and XX/XX/XXXX in regards to my account while receiving very litte to no help from Citibank officials.

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 2023-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX, of Deputy Project Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a closing company for the State of Indiana and represents XXXX, XXXX. 
XXXX XXXX XXXX : directs me to sign Modification closing documents directed me to schedule a closing by XX/XX/XXXX without seeing or reading the documents. 
XXXX XXXX demanded that I schedule the closing within 1 hour on XX/XX/XXXX at XXXX XXXX  Email from XXXX XXXX states : You have until end of day ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX to schedule closing with our notary, Statewide. Failure to schedule closing by end of day XX/XX/XXXX will result in a denial for XXXX  assistance. Regardless of your decision, you will not be able to apply for XXXX assistance again as you have applied for assistance twice. 
must send me the documents to read has provided wrong information to me ( I applied twice for assistance ) I applied once. 
refused to inform me of Closer 's name, address, or date Wells Fargo showed her proof of my mortgage payments. 
states she has proof of XXXX  Calculation accounting refused to send me Wells Fargo payment history example : Wells Fargo has not applied my mortgage payments to my mortgage " {$29000.00} '' claims, by XXXX, to KNOW that Wells Fargo accounting balance is correct. Wells Fargo is hiding facts. 
believes that I am only 2.5 months in arrearages. I am considerably more late than 2.5 months XXXX XXXX, employee, texted a high pressure texts that she, XXXX XXXX, " Will report me. '' if I dont respond. ( I will have XXXX XXXX 's texts available in 5 days. I'm not knowledgable how to download from my phone. )

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The amounts were over {$500.00}. They were charges overdrafts numerous of times which resulted in my account being closed due to the discrepancies. I had direct deposit which I had to move due to them depleting my accounts.

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 2023-05-08 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: FL

Complaint narrative:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Approximately an hour ago I ordered a FREE TRIAL of XXXXXXXX XXXX XXXX and was charged {$24.00} for the free trial. I immediately requested a cancellation and refund of the order which XXXX did. Now Chime has every excuse under the sun for not giving me my money including the merchant never issued a refund which I have proof they did including case number, chat, and email which I have forwarded to them while also stating it was never taken out of my account which it has and is pending. I do not understand why Chime can not just stop transaction or " loan '' the money to me like every other bank in the world does. 

I have had it. First I have to fight for my direct deposits, then I have to wait days or even weeks for a refund, now I have to fight for a refund that should not have been purchased in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have received calls almost everyday for a year about my credit card. I didn't even know I signed up for a credit card. I thought I was getting a membership and then I found out that it was a credit card. I accepted that I must have messed up somewhere and tried to pay it. But soon after I had my son and had to pay out of pocket for many of his medical bills. I didn't know until recently that this was harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Hello. So I refinanced my car loan from XXXX XXXX to XXXX XXXX. XXXX sent me a check back in XX/XX/2022 and I deposited the check in my personal Chase account and called XXXX XXXX on the same day and made the payment to be paid off. A month later ( XXXX ) Chase pulled the payment from XXXX XXXX and has been holding the check because they said XXXX XXXX endorsement needed to be on the check. We went back and forth for a month trying to get someone from XXXX XXXX to endorse it but they said the department that deals with that is In California so its no way that could get done. So they told me and XXXX to do a recall on the check so they can send it back to XXXX. XXXX XXXX did the recall and Chase said 45 business days and we waited UNTILL the full 45 business days and Chase had approved it and then canceled it. So XXXX XXXX did the recall process again and Chase approved it and cancel it again. Chase has been holding this check since XXXX and its now XXXX. XXXX has did their part and Chase still hasnt sent XXXX the check back which is causing a financial crisis on me because I am stuck to pay two notes on 1 vehicle. Chase needs to send that check back to XXXX XXXX. Why is Chase holding XXXX XXXX check. I need them to send it back to XXXX so XXXX can reissue me another one so I can pay XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: WA

Complaint narrative:
I borrowed {$600.00} from spotloan around XXXX time of XXXX. After receiving the {$600.00} from spotloan the interest went up tremendously and spotloan wanted me to the in XXXX months. Each month the payment was {$280.00} and when I asked the spotloan people they told me that the interest rate was 400 %. I asked how come that borrowed {$600.00} and now I have over {$2000.00} dollars for this loan?. There was no explanation what so ever. The money was taken from my account XXXX times and I didn't get any explanation, I stopped the payment because I believe that I have already paid. Please help to stop this kind of illegal practice from this company. 
I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: IN

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

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has been unable to produce my XXXX Statement for my High Yield Savings Account. The statement was mean to be produced on XX/XX/XXXX. It is not available online. After repeated calls to Synchrony, I was told an IT problem was impacting statements since XX/XX/XXXX. I am in the process of getting a mortgage and my inability to secure my statements in adversely impacting my ability to secure a mortgage. 
Synchrony has refused my request to produce a statement for me ; they refused to provide me with a formal statement about the account errors that I can submit to my lender ; they refused my request to release a public statement about the ongoing errors ; and they refused to provide me with a timeframe for when I would be able to access my XXXX bank statement. This is unacceptable.

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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a XXXX XXXX XXXX XXXX XXXX card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to XXXX XXXX since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the 500 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to Midland Credit Management XXXX XXXX  debt collector. Not only did XXXX XXXX not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both XXXX XXXX and this MCM have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, XXXX XXXX  XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my 40 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to Experian explaining an account appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?

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 2023-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

Please remove all my hard inquire 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 explanation