vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
It's been a month since my account has been locked and I tried everything I can do to get my account closed and get my money back. I opened a Marcus saving account on XXXX referred by a friend. I tried to transfer XXXX dollar into it. Everything looked fine by then so I tried to transfer XXXX dollar into the account again from my original bank account. It was locked immediately. I reached out to the company as soon as possible but they keep asking me verifying myself but they claim my phone number was not able to do so. I submit a CFPB at that time, their staff contact me again and provided a solution to send me a paper version affidavit form. I complete it immediately and sent it back. It has been two weeks since I mailed them and they calimed they have received it. However, the company told me they are still processing my files. 

The company is unable to provide me any timeline of when the review process will end and is unable to let me know if they need any additional information from me. 

My only request at this time is to close this saving account and return my money back to its original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : 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 2024-06-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent you a letter several times, asking for you to investigate the information reporting on these accounts and I received a response from you stating that the accounts were verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the accounts be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
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 2024-06-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received an Amex eGift Card in the mail. I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXXXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my vehicle loan on auto pay for several years with XXXX XXXX XXXX. I would get an email every month for the bill and the last email was XX/XX/XXXX. I never both opening the emails as I know it was on auto pay. Then XX/XX/XXXX I received an email. I thought it was odd since it should've now been paid off - the entire loan. So I called them and they said auto pay doesn't work when the amount is not the same, yet in the emails ( XXXX, XXXX and XXXX 's emails ) it didn't say they could not debit/charge me for the last payment. I promptly made the last payment of {$250.00} the same day XX/XX/year>. I have credit monitoring alerts on due to several companies being breached and was alerted of a negative alert that brought my score down like XXXX points! I called XXXX immediately, and they said they never reported it and to call TransUnion. I called them and they said they only get this information from XXXX and that they don't place this type of information on their own, which of course made sense but I was following the directions of the XXXX representative. Now I have a negative event on my impeccable credit report due to lack of clarity in emails and process for autopay. They never called me or emailed me saying I was late nor are they helping me to remove this negative event considering I paid as soon as the next email came in. There was also no email in XXXX. If I was so delinquent, why wouldn't they email every month or even every week.

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 2024-06-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim number XXXX XXXX XXXX XXXX XX/XX/XXXX My Debit card, Government Id and social security were stolen last year a while back late XXXX Somebody used my information to take money out of my account and wiped it clean of XXXX This money was meant for bills rent and my mothers funeral wish I am unable to do. 
This situation has caused me to be homeless living in my car with little hope left. 

I have been fighting this claim and in the end I get no resolution Bank of America is refusing to take my claim into reconsideration and has made it even harder for me to get help from them. 
I now have to write a letter everytime they deny my claim, asking that it be reopened in writing. 

They asked me to submit supporting documents including a police report, identity theft documents and my id for further investigation. I sent all 3 and still am getting denied. Please help me Please please help 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 explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries our mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries our mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank On XXXX I spoke to.a Manager at US Bank named " XXXX '' who confirmed the terms of my pending balance transfer at 2.99 % 12 months Total Funds Balance Transferred to US Bank {$5200.00} at 5 % transaction fees of XXXX $ XXXX XXXX for 12 months US Bank Promised to Pay : XXXX for {$4300.00} Pay XXXX {$830.00} " XXXX '' documented on XX/XX/24 that All Late Fees from both XXXX XXXX XXXX incurred would be Paid by Depositing XXXX points to my US Bank points Acct to offset the Late Fees Costs US Bank made their 5 % balance transfer Fees at : {$260.00} + plus additional Finance Charges But to date Nickeled & Dimed me Refusing to honor the Promo Point Deposit as Documented by XXXX on XX/XX/24. 
They agreed to.deposit only XXXX points and I am missing {$75.00} or XXXX points. They Are Liars and Only Take Exborbitant Fees, Finance Charges and when you hold them Responsible as Aforementioned and Documented they Hang up on you!! 
I want my earned {$75.00} or XXXX points Deposited as Promised!!

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 2024-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Reported date XXXX for {$290.00} for Progressive Insurance I had sent them a certified mail with a notarized affidavite stating 1. I do not own any vehicle 2. I never have any contract with Progressive ( asking for copy ) 3. I have vever made any payments to Progressive 4. I never received any mail from Progressive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of ID Theft. There are inquiries on my [ XXXXTransunion ] credit report that are fraudulent and do not belong to me. I've already filed an FTC report. Please remove the following unauthorized hard inquiries from my credit report : 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged .... 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the 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 2024-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent you a letter several times, asking for you to investigate the information reporting on this account and I received a response from you stating that the account was verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
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 2024-06-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : ACCOUNT : XXXX XXXXXXXX ACCOUNT # : 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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) conducted a hard inquiry on my credit without my knowledge or consent. I want this information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) conducted a hard inquiry on my credit without my knowledge or consent. I want this information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) conducted a hard inquiry on my credit without my knowledge or consent. I want this information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
I had previously filed a complaint against LVNV FUNDING LLC on XX/XX/year> [ Complaint id # XXXX ] and got a response from a separate company known as Resurgent Capital Services which also violates the Fair Debt Collection Practices Act ( FDCPA ), to be specific, 15 U.S. Code 1692e ( 14 ). In that complaint I have stated that they are claiming I owe a debt and reported it to consumer reporting agencies without giving me, the consumer proper notification of the debt. I stated that I wanted evidence that they followed the procedures of the FDCPA by providing the following ; The green return receipt/card bearing my signature that proves they notified me of the debt 5 days prior to reporting, the purchase agreement, proof they are both licensed to collect and bonded in XXXX  where I reside, all statements of the account dating back to when it was first {$0.00}. To date they have NOT provided any evidence beside a few billing statements. They did NOT provide enough evidence to support their claim which further violates the FDCPA, not to mention the Fair Credit Reporting Act ( FCRA ) as they are reporting an unverifiable account to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
No late payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I requested from XXXX XXXX that they provide proof that they had the promissory note and the right to foreclose. I believe that the promissory note was sold to a mortgage backed security ( MBS ) or REMIC TRUST by American General finance or Springleaf finance before XXXX XXXX even obtained it. I need a forensic securitized audit to be performed so I can show that the deed of trust they hold was rebuilt after the original loan from evergreen mortgage was securitized into a stock. Because when that is done, the promissory note is paid, the loan is converted to a stock and registered on the SEC as a REMIC TRUST, and can never go back to being a loan per Federal Accounting Standards ( XXXX ).

Company response to consumer: Closed with explanation