vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
My wife and I have a joint savings account with Marcus by Goldman Sachs. We did not know that XXXX can not perform wire transfers to external accounts. We were closing on a house so I transferred XXXX through the online feature and then requested to send the remaining amount over the phone. XXXX did not complete this transaction requiring my wife and I to borrow money from a relative. I was then unable to transfer money through the app and was told that my account was locked indefinitely. I am now unable to access over XXXX including the amount that I borrowed. In addition, I have automatic deposits and withdrawals from these accounts and we can not wait indefinitely for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DFC Global Corp.
State: AK

Complaint narrative:
I filed a Multiple previous Disputes with XXXX and the CFPB over this. 
The man on the phone with XXXX XXXX XXXX was extremely abusive and threatening he kept talking over me and kept trying to pump me for more of my private and confidential information because they don't have it. I was threatened with a attorney and hung up. 
I have requested repeatedly from both the CFPB and XXXX XXXX XXXX collector for the " Original Wet Docs. with my Wet signature '' and " the Debit Validation '' from them proofing they have the right to collect on a debit, and I want the The XXXX with the original Creditor, and that XXXX XXXX XXXX is licensed for business in the state of Alaska where I live to do business in my state. 

This debit was illegally purchased without my authorization if its even mine seeing as how I cant get any documentation on it, and it was already written off from the Original Creditor in their XXXX they filed with the IRS for their tax return '' So this is an illegal attempt to collect on a debit that the original Debtor filed a XXXX, that is IRS FRAUD and then they illegally sold it to a bill collector. 

Please remove this immediately from account as it is FRAUD. 
I do not acknowledge this bill until someone can show me documentation that this is actually my bill and that the original creditors filed a XXXX and then illegally and fraudulently sold the debit to a bill collect. 

If they say something different please have them furnish the proof that I have requested repeatedly regarding this illegal transfer of debit, I need the original Purchase agreement, XXXX XXXX XXXX XXXX XXXX, THE XXXX Documents ' from the original creditor with the wet docs with wet signature, status of limitations, the last payments missed on the account and the XXXX by the original debtor. 

And now this bill collector is trying to illegally collect on something that was already filed by the original Debtor and claimed through the IRS on his XXXX C. 

If the documents can not be produced and sent to me for confirmation or dispute. 
Than this has to be deleted off my credit report as its fraudulently posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
This account ( XXXX ) was resolved through a settlement agreement on XX/XX/year>, and the agreed payment was made in full to satisfy the balance. 
However, the charge-off continues to appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I was co-signed car been XXXX I never. Late I need them to remover it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Things that was removed from my report that was disputed are being put back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
At the beginning of 2024, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) informed me that my credit card debt of {$5000.00} would be turned over to a collection agency, Transworld Systems Inc., if not paid. Consequently, they initiated the garnishment of 15 % of my Social Security Disability payments, approximately {$340.00} per month. This garnishment began around XXXX or XX/XX/year> and has continued through today, XX/XX/year>. 

However, XXXX has not reported these monthly payments to the credit bureaus. Despite filing three separate disputes to ensure these payments are accurately reflected on my credit reports, they have not complied. Notices from the U.S. Department of the Treasury confirm that these payments are indeed being garnished monthly, reducing the debt to {$2200.00}. 

I request your immediate attention to this matter to rectify the reporting discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NM

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Account in question : XXXX XXXX : XXXX : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NM

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Account in question : XXXX XXXX : XXXX : {$3600.00}

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 2024-12-31 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: NV

Complaint narrative:
I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S. Code 1681n ) Was not provided a 1099 c

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
On XX/XX/scrub>XXXX i was involved in a not-at-fault vehicle accident in my new XXXX Toyota XXXX truck. The next day, i took it to a Toyota XXXX XXXX XXXX Now more than 60 days later, Toyota refuses to allocate the necessary repair parts. I have tried to get out of this lease, but Toyota will not help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX  ; This inquiry has no permissible purpos to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I was charged XXXX a month for XXXX months to fix things on my credit that shouldn't have been there & I didn't receive clear credit repair as stated. I feel this is bad business & it's so much of it going on especially in the poor XXXX XXXX XXXX  community 's that need credit to do anything. I lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX when I used Lexington Law to repair my credit. My new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
XXXX applied for mortgage on accepted offer with XXXX XXXX Guaranteed Rate Affinity who provided me options for first time homebuyers ranging from XXXX %. I specifically asked if I was eligible and what income was considered and she informed me I was eligible for XXXX. I went through the mortgage process and submitted all requested documents. I paid XXXX hand money, appraisal, inspection, title fees etc. I was set to close on XX/XX/XXXX. On XX/XX/XXXX I was sent a final disclosure with rate lock and documents. Reading the documents, I noticed the child support section was checked no when I do receive support- no one had ever asked me. I emailed them about the error, and submitted my court orders as requested. Turns out, days before closing, I do not qualify for any of the mortgages offered to me. Instead, I was offered a different program with XXXX  % that would cost an extra {$36000.00} over the life of the loan, or a different mortgage ( rate not provided ) that would be a similar monthly payment but require an additional {$11000.00} at closing. I am left with no options- either pay XXXX more than the estimate and rate lock or walk away and lose XXXX. With XXXX days until closing, I have no time to seek other options. This is negligence and needs addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
After 38 years, I cancelled all of my qualifying policies with USAA effective XX/XX/year>. Since I no longer have any qualifying accounts with USAA, they owe me the balance of my subscribers account of approximately {$12000.00}. On approximately XX/XX/year>, I contacted USAA to find out when the funds would be distributed. I was informed at that time that a check would be mailed on XX/XX/year>. 

Subsequent to XX/XX/XXXX, I have corresponded with USAA and they confirmed that a check was mailed. However, to date, I have not received the funds. I contacted them yesterday and again today and they informed me that a check was never mailed and that a hold has been placed on the disbursement. However, they did not know why there was a hold on the disbursement or when the check would be mailed.

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 2024-12-31 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: TN

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: AL

Complaint narrative:
[ XX/XX/year> EASYPAY/DVRA XXXX XXXX XXXX *****SENT VIA CERTIFIED MAIL**XXXX RE : VALIDATION OF ACCOUNT Account XXXX XXXX XXXX XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX XXXX XXXX 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX ) Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX from Bank of America contacted me on XX/XX/year> at XXXX to inform me that the complaint about the XXXX XXXX XXXX  transaction wasnt Bank of Americas negligence it had to be my error due to making two transactions at the same time. XXXX XXXX offered to change my debit card to resolve the issue, I said no because I had changed the card three times already and I told her it was because of double transactions. She continued to say that it wasnt Bank of America negligence it had to be 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 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: State Home Mortgage
State: GA

Complaint narrative:
My monthly payments are extremely high in relation to my balance Im paying XXXX XXXX monthly. 
There is equity in the home that Im unable to access for roof and basement repairs Unable to secure reasonable homeowners insurance coverage because the roof is in disrepair for recent storm. 

The basement is flooding because of storm drains under the home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I used my Citi credit card to put a hold on a rental studio for a photo shoot for my business ( XXXX XXXX XXXXXXXX ). Upon physical inspection of the studio, it was not as advertised and was not suitable for the production. Myself and my producer let the studio owner know we would not be proceeding with the rental. The Studio owner in turn charged the full estimated amount of the rental on my card and refused to return the money ( {$6600.00} ). 

No cancellation policy was listed on the website. 
( They have since changed the website vaguely to say that deposits are not refundable ) There was no contract, only emails back and forth. 
No service was rendered, no rental of any space occurred. 

I tried multiple times to work with Citi to deny the charge as it was fraudulent, and had nothing to do with any goods or services rendered ; However Citi made it impossible to speak to anyone or gain any resolution. Furthermore, Citi only allowed me to speak to people who barely spoke XXXX and couldn't even provide the most basic of assistance or help, they routinely got facts and information incorrect due to a lack of XXXX proficiency. 

It is my opinion that Citi went to great lengths to stonewall my efforts to deny charges from a merchant who knowingly committed fraud. I have been going back and forth with this so long due to the COVID-19 epidemic and I'm desperate for the money just to be returned and to be done with this saga.

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