vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My fianc has an Apple Card and added me as an authorized user. Apple sent me a physical card and also created a virtual card in Apple Pay for me to use. The Apple Card does not have the card information printed on it - that information is stored in the virtual Apple Card in the iPhone wallet. I am unable to view the card information in the virtual wallet due to an error that Apple is aware of. I have communicated with Apple support over the last 3 months and no resolution has come for this issue. Therefore, Im unable to view or know my Apple card #, expiration date and CVV. Im unable to use the card to make online purchases or any purchases requiring that information. I have communicated with Apple support over chat, over the phone, sent diagnostic reports to support and allowed them to remote into my phone to investigate and to take screen recordings. There has been no communication to me with an ETA on when this issue will be resolved. I need to be able to view and access this information in order to have full use of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An adverse action letter was sent on XX/XX/2023 and delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on an account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. There were no wrong usage of the account nor any violations made. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The closing of the three accounts were discrimination from exercising rights in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
This is concerning the recent ruling on Wells Fargo Loan Modification XXXX ( XXXX ) ; I didn't receive any notification involving a lawsuit regarding loan modification approvals that weren't processed instead foreclosure steps were taking place. In XX/XX/XXXX, I spoke with home preservationist XXXX XXXX stated after provide all the information over the phone stated that I would qualify for the loan modification. She stated she was going to send a package for me to complete with supporting documentation. While waiting for the package to me sent I received Notice of Default and Intent of Foreclosure from American Servicing Company via certified ltr notarized. After receiving the certified letter, I received a package in the mail that had documents to complete to start the modification process. On XX/XX/XXXX, received letter in the mail stating my documents have been received and were being reviewed. In XX/XX/XXXX, received letter of assignment of home preservationist specialist to assist me in my process. Then mid XX/XX/XXXX, ASC affiliate of Wells Fargo Bank had sent certified letter concerning acceleration and foreclosure right to cure. After receiving that notification called to check the status of my modification customer service of ASC stating that no notes concerning modification. Since ASC aka Wells Fargo wouldn't acknowledge the communication about the loan modification I proceed with filing a complaint with West Virginia Attorney General Office against Wells Fargo to prevent the foreclosure. An individual work with my state attorney generals office Consumer Protection & Antitrust Division worked with me to stop Wells Fargo from foreclosing. Wells Fargo. I think that I should have been notified about the class action lawsuit with Wells Fargo because they made the error and my state attorney generals office requested that they correct the foreclosure. Wells Fargo process the correction as a modification but only to there advantage didn't assist me with my hardship only reinstated my loan to satisfy the attorney generals office. After the investigation was completed Wells Fargo sold my mortgage to 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 2023-04-16 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello and good afternoon my name is XXXX XXXX on XX/XX/ i reported to the bank citizen that were 33 transaction that i didnt recognized however they make a claim report with case number XXXX. I received a letter from the fraud department that they are going to closed my account on XX/XX/. They just want my account to be close because they dont want to be liable for the fraudalent transaction that were made. I did not make this transaction period.. i havent recieved no credit for this 33 transaction.. i hope you guys help me resolve this issue otherwise i will sue the bank for stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: FL

Complaint narrative:
I have nust teported less than a week ago the {$1000.00} proof of my bank XXXX XXXX XXXX sending over the funds back to cashapp. Cashapp has now as of today XX/XX/16 sent over the funds but it was now XXXX. I am at XXXX My argument here is the 3 incoming deposits i had after the loss of being negative XXXX made my balance go down lower. After the {$600.00} and {$100.00} and {$4.00} transactions from my balance should have equaled to {$1700.00} dollars. 

Cashapp has only provided the credit from XXXX XXXX XXXX sent over and not adjusted my funds from what was sent as i was NEGATIVE. 

So after them investigating and calculation properly my balance should be {$1700.00} Not {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX. has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.

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 2023-04-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX failed to update information regarding my name, and information contained in my report relating to balances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX failed to update information regarding my name, and information contained in my report relating to balances

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 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with fair card it reporting act XXXX those account has violated my right 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 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

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 2023-04-16 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: VA

Complaint narrative:
In accordance with fair card it reporting act XXXX  those account has violated my right 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i called XXXX XXXX they stated they deleted my acct and sent it to credit agency to remove my acct is still reporting on my acct

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Zelle Pay has blocked account permanently for no justification. They content that I received Zelle transfer of {$150.00} which the same person who sent me the Zelle went round to the bank that the money was drawn from to complain that there has been a fraudulent transaction to me. The person who transferred the Zelle to me is called XXXX XXXX, who is a friend. I contacted him about this situation and he explained to me that the account he used to send me the Zelle from XXXX XXXX  has multiple people on the account. One of them was his Niece. This Niece of his, according to XXXX, reported to XXXX XXXX  that someone has fraudulently transferred {$150.00} from her account to one XXXX XXXX ( XXXX ) through Zelle. XXXX XXXX, without investigating, sent a message to Zelle and XXXX XXXX about this alleged fraudulent transaction activity. After I contacted XXXX about this issue, he called XXXX XXXX  and XXXX recanted the fraud charge and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to XXXX XXXX. As I write this piece, XXXX XXXX has not reactivate my account for not justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I refinanced my vehicle from XXXX XXXX to XXXX, I disputed the accounts on all 3 bureaus- the only one I have a problem with is Experian. XXXX and XXXX took the old account off my account, how ever, Experian will not and said that they had correct information in their dispute response they sent me back XX/XX/2023 But they also have the XXXX account reporting on the experian report also.

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 2023-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I am writing to file a complaint against PROCELLECT, INC ( hereinafter referred to as " the company '' ) for their attempts to collect a debt that I do not owe, as well as for their failure to remove the collection record from my credit report and their recent addition of a new record to another credit bureau under my name. 

In XXXX XXXX, I received a debt collection notice from PROCELLECT, INC, claiming that I owed an outstanding debt of {$720.00}. Upon receiving this notice, I immediately contacted the company to dispute the debt, as I had no knowledge of it and believed it to be an error. I provided them with all necessary documentation to prove that the debt was not mine. Following our conversation, a representative of the company verbally agreed to remove the collection record from my credit report. 

However, despite their assurance, the company failed to remove the collection record as promised. Furthermore, they neglected to respond to my previous claim and have now added a new collection record to another credit bureau under my name. These actions have negatively impacted my credit score and have caused me undue stress and financial harm. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against PROCELLECT, INC. I am seeking the following remedies : * Immediate removal of all incorrect collection records from my credit report across all credit bureaus.

* Written confirmation from PROCELLECT, INC that the debt in question is not mine and that all collection attempts have ceased. 
* An investigation into the company 's practices to ensure that similar incidents do not occur with other consumers in the future. 

Please find attached copies of the debt collection notice, documentation provided to PROCELLECT, INC, and any correspondence I have had with the company, as evidence to support my complaint. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. 

Sincerely, 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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has caused me adverse action by telling XXXX XXXX XXXX  and XXXX XXXX XXXX  that I do not have a credit score. Equifax has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a XXXX XXXX loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because Equifax gave the companies inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022, I purchased a vehicle from Toyota XXXX in XXXX, Tennessee on XXXX XXXX. My first payment was to be due on XX/XX/2022. 

I submitted my first payment XX/XX/XXXX, a week early as I have been trying to improve my credit score. I received a notification saying the transaction was successful on the same day. I then get a message on XX/XX/XXXX, 2 days after the due date, that my payment did not go through and that my {$690.00} was returned to my account. I make another payment on XX/XX/XXXX, for the payment that was due on XXXX, and get another email that says my payment was successful. I get another message on XXXX, saying that my payment of {$690.00} was again returned to my account. 

I call Toyota personally and tell them about the issue and they direct me to my bank saying it is on their side. My bank, XXXX, said that is false and if it was on my them, then ALL transactions would not be going through. This was an error on Toyota I choose to pay my note again as I am worried this may affect my credit score, I make another payment on XXXX and get the same message of my payment being returned on XXXX. My credit score then drops 83 points as I technically was late on my first payment by 30 days, which is not the case. Eventually, this stops happening and I never understood why it was happening in the first place, all I got from Toyota was that, " This should be good now. '' Please see attachments, I should not lose 83 points for Toyota 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation