vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Apple Support after receiving a message that my account had been " restricted '' and I was unable to make purchases. After speaking with customer service, I updated my password, and I was asked to confirm a transaction I made. I confirmed the purchase - a SIM card from XXXX, so I can use my phone while traveling this month in the XXXX. They told me I would need to confirm a verification code sent to my device. I did not receive the code, and I told them this was probably because I had changed SIMs and can not receive calls or texts to my primary number since I am abroad. I was connected to another supervisor who said they would help me get the restriction lifted. I explained the situation, but yet again, the rep asked for me to provide a verification code that I can not receive. I was then connected to yet another " Specialist, '' who transferred me to another " Specialist. '' I explained the situation yet again, and was told that another " Specialist '' would reach out but that they did not have a timeframe on when I would be contacted. At this point, the " restricted account '' was changed to a " locked account. '' On XX/XX/XXXX, I contacted Apple customer service again and was connected to a " Specialist '' who reiterated that they could not provide a timeframe for the account 's review and apologized for the inconvenience. I lodged a complaint which the " Specialist '' filed on my behalf. On XX/XX/XXXX, I reached out to Apple customer service again because I received my paycheck and realized that I was unable to make card payments using the app due to my account being " locked. '' I was told that my account will continue to accrue interest despite it being locked. The specialist said I can still make payments via the phone, but I explained for the millionth time that I am out of the country and I am unable to make calls from my primary number. The specialist apologized and told me they would try to find a way to get " everything worked out for me. '' Then, without a further reply, I was transferred to ANOTHER specialist. I explained the saga again. I was told yet again that they could not provide a date or timeframe for my account 's review. I told them that I would be filing a complaint with CFPB and warning anyone against opening an Apple Card account. They made note of the complaint and my XXXX number. I have heard nothing since this final communication, and my account and card remain locked. I can not use my card or make payments on my current balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX. 

Pollack & Rosen is the attorney for the plaintiff, and the pretrial conference will be on XXXX at XXXX XXXX 

I logged into that XXXX XXXX account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the XXXX XXXX account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus.

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last XXXX digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to XXXX XXXX XXXX, so XXXX became a dead end. 

XXXX XXXX Pollack & Rosen account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account. 

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in XXXX weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference. 

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 XXXXXXXX, 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 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. 
I want the CFPB to publish this description on consumerfinance.gov so that

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

I want the CFPB to publish this description on consumerfinance.gov so that

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 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX a payment was duplicated at XXXX for XXXX dollars. Cash app was notified- all necessary steps were taken, a police report filed, and they continue to deny the dispute without providing any documentation except a copy of the charge. All of this is a clear violation of the XXXX and they continue to violate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit bureaus stated that my account was properly investigated ( XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

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

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.

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 2023-08-15 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX, left us uncovered by XXXX after transferring loan. They also reported that I owe more. And I do not. This has been an absolute nightmare for me and my family. Especially since I was rear ended during all of this. What are we supposed to do. The company Westlake that took over the loans are no help at all. So, they can just transfer the loan and leave us hanging. It is really upsetting. The contracts should be void and we should not be responsible for their error. And we should be compensated..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates is trying to pressure to collect on a debt from XXXX  that his been discharged by the original debtor XXXX XXXX ( proof was provided by PRA that it has already been written off ) -they can not produce the documents to list/prove these are my debts and have sent me countless emails, calls and are currently taking me to court with an inflated amount that appears no where near the original credit limit I had with XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
Professional Account Management continues to send me collection letters, despite me notifying them I am in bankruptcy. 

The bankruptcy case is XXXX. My attorney name is XXXX XXXX. 

Bankruptcy filed on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Ph : ( XXXX ) XXXX Fax : ( 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 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verfication of this alleged debt. Verification consists of a formal declaration where you swear to the truths of the statements of the facts of the matter, having first-hand knowledge, and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Credit Collections Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-16 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
For the past 48 hours Zelle has been rejecting every single law firm client of ours the ability to pay us as little as {$2500.00}. 

This is killing our business and jeopardizing our clients legal matters. 

Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In accordance with the fair credit reporting act, JPMCB Card Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company is charging us for credit card charges that have been posted but not billed instead of crediting those payments to a balance transfer loan as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-15 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I told the bank that I received a damaged order, and I tried to contact the merchant for a refund, and the merchant refused to issue a refund, so I contacted my bank to dispute the charge, but my bank has not been supportive on resolving the dispute with the merchant, so I am filing a complaint because I have had issue with this bank several times failing to resolve dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One XXXX XXXX for Menards. Transaction date XX/XX/2022. Transaction amount {$1800.00}. Card terms state that any transaction greater than {$1500.00} will receive a promotional finance rate of 3.99 % for a period of 48 months. Capital One instead began charging interest of almost 30 % after just 6 months. I called and requested a fix. They denied the fix with no justification. I called again to remind them that this violates their cardholders terms. I was told that I should have called sooner because the transaction " expired ''. Essentially they claim that I didn't catch them breaking the law soon enough for them to fix it. I am filing this complaint, because they have increased my balance by {$300.00} in 3 months and refuse to fix their mistake. I should only be paying {$60.00} in interest this year, and the balance should NEVER increase. This is fraud and theft and must be fixed. If not it will end up costing me thousands of dollars.

Company response to consumer: Closed with explanation