vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I transferred some money from XXXX on XX/XX/2022 from XXXX to Marcus Goldman Sachs, with XXXX XXXX as an intermediary bank. The amount is for {$4200.00}. I've contacted each bank several times to track this transfer and was given XXXX correspondence confirming XXXX XXXX 's sending the money to Goldman Sachs. However, it's been over 1 month and I still have not seen the funds. 

Goldman Sachs refuses to acknowledge or accept the XXXX information I have and continues to tell me to reach out to the originating bank. I do this, and they respond with the XXXX correspondence. 

I have no where left to turn and this is a very large sum of money that I've just now supposedly lost -- {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. 
XXXX is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). 
I have spoken to Rocket mortgage and they claim they never made the change, and I tired to dispute the error with XXXX, but they say it will be resolve within 30 days. 

I have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this one late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. 

Can you help me get this resolved quickly? I was hoping to purchase a property in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed on my credit report a hard inquiry of XXXX XXXX for months ago and I would like to dispute it since its a closed account, paid off, and not in use anymore please and thank you

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 2022-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Reached out to Edfinancial for a refund of student loans about 40 days ago ( sometime in XXXX ). It is difficult to pinpoint exact dates because they have not sent any confirmations of any kind. When I talked to them at the time, they said I was supposed to receive a confirmation email which I never got and they gave me no specific timeline on when I when I am to receive the refund or by what method. They couldn't even tell me the amount I am to receive back. I called them again today XX/XX/2022 to check on the status and it took getting to a higher tier customer service representative for them to even see my account. They still gave to timeline to when I am to receive my refund or any other information about it other than it is still processing. I am not even able to create an account on their website until I receive the refund apparently which makes it impossible for me to check on the status or know anything. I have no receipts or anything to show that I will receive anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a letter in the mail advising that Bank of America detected suspicious activity on my credit card. I have never applied for a credit card with Bank of America. Someone used my personal information to open a fraudulent account. Bank of America advised that the account has been closed.

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 2022-11-28 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: LEXISNEXIS
State: MO

Complaint narrative:
In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 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 XXXX5 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. XXXX5 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXXXXXX states that I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX XXXX also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX XXXX. XXXX XXXX XXXX ( a ) ( XXXX ). 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 accurate.

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 2022-11-28 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: MO

Complaint narrative:
In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MO

Complaint narrative:
In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a 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, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a 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, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 accurate.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries do not belong to me. 
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 XXXXXXXX

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 2022-11-28 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: CORELOGIC INC
State: MO

Complaint narrative:
In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 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. Account name : MO XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: NJ

Complaint narrative:
I received a bill from you on XX/XX/2022 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX. for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with patients authorization. 

Therefore my request is two fold -- Validation of debt and HIPPA authorization. Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address and accept this complaint as my formal debt validation request which I am allowed under the FDCPA. 

Please note withholding the information you received from any medical provider in an attempt to be XXXX complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Our mortgage was sold by XXXX XXXX XXXX to Newrez LLC. XXXX  did not provide any information with regard to where to send our payment, or if we would be issued a new loan number. I did find an address online for Newrez and send them my monthly mortgage payment using my XXXX XXXX XXXX number. It was a month before I received a statement or any information from Newrez LLC. On the statement I noticed that the payment I had sent to their XXXXXXXX XXXX office was not credited to my account. I also became aware that {$980.00} overage was in my escrow account. I called Newrez and asked for an escrow audit and mentioned that according to RESPA, I should be due an overage refund. I was informed that Newrez would not complete an escrow review until XX/XX/2023 and that I would not be receiving my escrow overage until such time as that was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On the XXXX of XXXX, an individual contacted me saying that they needed XXXX dollars because they were unable care for their dog. They said they would pay back {$320.00} on the XXXX. After I sent this payment, she was very uncommunicative. On the day that she was supposed to repay me, she blocked me on the social media that I was using to talk to her and I am unable to communicate in order to get my money back. As it stands, she stole my money and had no means to ever pay me back. I filed a claim through XXXX, however, they said that the transaction in question didnt count as a service that they can refund me for. They told me to contact my bank and file a claim for the transaction. After filing a claim a few days ago, I wanted to check the status of it today, but when I called my bank ( Wells Fargo ) they notified me that the claim has been denied since the transaction was authorized on my part and they would be unable to help since it was a service. Im worried that I wont be reimbursed for this, since the money in question came from my savings. The screenshots in question show the chats I had with her, and the proof that I tried to dispute a transaction with XXXXWells Fargo 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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This concerns an issue that is showing up on my Experian credit report only. There is a paid account in the amount of {$150.00} from a company called XXXX XXXX. The original creditor is XXXX XXXX XXXX My wife called XXXX XXXX on XXXX to have the collection removed since it was paid, it took the young lady over an hour to find any record of the account. When she finally found it, she made all the arrangements to have it removed. now, nearly 2 months later, it is still on Experian. She has called at least 6 times to XXXX  since then and talked to less than a dozen people, including supervisors. Not a one of them can find any record of our account, however, they refuse to call XXXX XXXX  to have it removed. She has called XXXX several times and they will not remove it from the credit report without XXXX approval . We even went to the local XXXX store, as one of their phone reps recommended. The young man who waited on us was very helpful, he called XXXX and explained everything. The woman on the phone asked to speak to me and after explaining everything, she claimed she was unable to remove anything from the credit report and gave us an email to contact. We contacted them but have heard nothing in return. .We finally filed a dispute with the credit bureau XXXX unfortunately that can take up to 30 days. I don't recommend anyone use XXXX, they can not find the account but refuse to do anything to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
FOR AT LEAST THE LAST 3 MONTHES I HAVE NOT BEEN ABLE TO ACCESS MY ON LINE STATEMENTS. I HAVE NO IDEA HOW MUCH INTEREST I AM BEING CHARGED, BUT I DO KNOW THAT {$20.00} FROM {$100.00} 0N A 2241.?? BALANCE IS NOT REASONABLE. I TRIED ONLINE CHAT AND TELEPHONE. IALL I GOT FROM THAT WAS FRUSTRATION. I HOPE THAT HELPS ME TO GET HELP.

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