vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I received a prepaid Mastercard a few months ago for a {$50.00} rebate from XXXX XXXX XXXX. The actual card is from Blackhawk Network-MyPrepaidCenter.com The card has an expiration about 2 weeks ago showing XX/XX/20 on the card. There is no way to reach anyone in customer service and there is no phone number. All I want is a refund of my {$50.00} without paying a fee. This company has a reputation of doing this to many people. It is not their money. It is mine. All one needs to do to verify this is to read the reviews for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage loan was modified by PHH on XX/XX/XXXX( see attached ). After the loan was permanently modified, PHH canceled the modification and proceeded with foreclosure action. PHH cited on XX/XX/XXXX( see attached ) that there were issues with the title that prevented acceptance into the program. Since my loan is secured by FHA, there is a right to clear title issues prior to closing on an y modification deals. PHH never allowed me to clear up the title issues, which stem from HOA dues. Moreover, the law firm representing the HOA, set up a payment plan on the outstanding balance due ( see attached ). This payment plan is an actual agreed order entered into court, which negates the right for the HOA to proceed with any foreclosure activity. The agreed order was never submitted to FHA for underwriting consideration. PHH is clearly motivated to foreclose in order to collect excess fees by billing FHA for foreclosure costs. PHH is in violation of general CFPB law, based on the lack of transparency during the modification process. They are also in violation of FHA 24 CFR Section 203.604, for failure to meet face to resolve delinquency issues. FHA requires all mortgagees to have a face-to-face meeting with the borrower, or make a reasonable effort to do so, before the borrower is seriously delinquent or foreclosure activity commences. PHH has set a foreclosure sale date of XXXX, so I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Last year I had fraud occur on my Best Buy account and Best Buy investigated and sent a letter stating it was resolved ' we removed any disputed charges, related fees and interest charges '. What they failed to do was to remove late payments indicated in XXXX of XXXX and XXXX of XXXX and after numerous calls refuse to provide an additional letter stating that the late payments were in error and the account has never had a late payment in its history. Because of the late payments my FICO scores have dropped by over 100 points and I am now being refused the ability to refinance my mortgage. The original account number was XXXX but it appears they have assigned a new account number 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 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They  have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
Chexsystem is reporting, negative bank information on my account. I have been in the XXXX data breach and a couple other breach. Chexsystem is making it impossible for me to get a loan for my business because they are reporting, charge off, collection, inquiry, bad check, charge off check accounts, and identify theft account for auto loans, ( XXXX XXXX and XXXX ). Chexsystem completely distraught my chances to get approval for loan and I am on the brink of been homeless.

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 2020-02-22 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-22 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I was contacted by portfolio recovery services in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from portfolio recovery services and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: PA

Complaint narrative:
T a t/c on XX/XX/XXXX stating that it was a call to collect a XXXX Visa balance from XX/XX/XXXX in the amount of {$14000.00} w/interest. I stated I never had such a card and it was never on my credit history the person whose name is XXXX XXXX ( unknown if that is her real name ) became  aggressive and said I should be thankful it wasn't and they can do a search of my " assets '' to satisfy the balance. She then transferred me over to a man ( name unknown ) to used a strong arm tactic to obtain my bank info. STUPID ON MY PART I know. They both said if I paid {$3000.00} the account would be settled and pulled the money from my account. I received an e-mail which contained a letter that asked me to " ACCEPT ' the terms however in order to read the letter I would have to accept first. I refused and sent the e-mail to spam. I contacted all credit card companies and have no outstanding balance with any, The representative at XXXX Mrs. XXXX went back to the beginning of time and validated that fact. I called this company back and became angry and very aggressive with them for their SCAM on me. The company is called USI Solutions and their address is : XXXX XXXX XXXX, XXXX, Pa., XXXX, their phone number is XXXX. I am ashamed and angry that I fell for this and would like your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was contacted by XXXX XXXX XXXX in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from XXXX XXXX XXXX and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: NJ

Complaint narrative:
I SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2020 I called Equifax@XXXX and spoke with Supervisor XXXX ( that is the only information she would give me ) regarding ( 2 ) fraudulent charges to my Visa Debit card XX/XX/2020 {$4.00} and XX/XX/2020 {$19.00}. I provided my Visa Debit card # and was advised they were " unable to locate any charges to my account '' I offered the Transaction ID # provided by my bank and was advised to contact my bank because they could not locate any charges matching the card # provided. The Officer assisting me took my phone into the room where the person who provided my card information fraudulently was able to verify his SSN, Address, CADL # as well as confirmed other personal identifiers and an account was located and both charges were confirmed by XXXX ( highest supervisor available on a Saturday ) I was advised that Equifax would NOT be giving me a refund as services were provided to the consumer ... again the consumer was not me nor had my authorization or permission to use my Visa card. I was advised that I would need to provide a fax transmittal with my Bank Account Statements in order to " prove the charges to my account '' although verbally she had just confirmed the card #, amount of the transactions and dates with me verbally by phone. I questioned her refusal to reimburse me and was advised that " due to my past relationship with the person who may or may not have used my card # I was liable for the charges '' I requested to speak to someone located in the USA ( I believed we were having communication issues ) and Supervisor XXXX reiterated to me " we will NOT be issuing a refund as we provided services to the consumer '' stating also to " get my money back from my Ex Husband '' My Children and I are currently being relocated through the California Victims Relocation Board due to a pending Criminal Case against the person who falsely used my card information as a way to gain information regarding our location. At that point I advised XXXX I would be filing a complaint here as well as with the Federal Consumer Protection Board as well and it was at that point she hung up on me after wishing me " the best of luck ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
In XX/XX/XXXX a charge appeared on my Barclay Master Card for {$31.00} to XXXX. The charge was incurred in XX/XX/XXXX. 

I informed Barclay via a written dispute. I disputed this inXXXX, the same month the charge appeared on my account. This month ( XX/XX/XXXX ). Barclay notified me that they tried to call me to get my permission to close the account. According to Batclay, this is the only way to remove this bogus charge.

There are 3 things wrong wrong with this : ( 1 ) Banks dont need customer permission to close charge accounts. ( 2 ) An unauthorized or fraudulent charge can be removed without closing the account. ( 3 ). Barclay didnt try very hard to call me for my permission because I never got a call from them. 

In short, this appears to be a dodge to avoid removing a bogus charge from my account.

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 monetary relief
Consumer complaint received 2020-02-22 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: FL

Complaint narrative:
I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.

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 2020-02-22 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: CA

Complaint narrative:
Hello, on or around XX/XX/20, I applied and was approved for an Apple credit card with a credit limit of {$8000.00}. I activated the physical card on or around XX/XX/20. I used the card XX/XX/20 & XX/XX/20. On XX/XX/20 I went to use my card and was declined to my surprise. I had a total balance owing of {$33.00} and a credit limit of {$8000.00}. On XX/XX/20 I opened up support chat ( via text from my XXXX ) with Apple/Goldman Sachs support. I explained my credit card/wallet on my XXXX showed my account as being under review. I was not given any explanation except its being reviewed. I then called Goldman Sachs customer service and asked the same question why my account was being reviewed. I had just opened the the account. I was told they did not know and that they have a separate dept that handles the reviews. I asked to speak with that dept and was told I could not. Someone??? would be in contact with me and apologized for the inconvenience. My account now shows restricted. I called Goldman Sachs customer service on XX/XX/20. Was again told the same thing. I asked to speak with a supervisor. The supervisor said the same thing. Im confused as to how/why I was approved with an {$8000.00} limit. Ive not done or changed anything and my account is restricted. They are approving credit applications upfront and then running credit checks???? I have excellent credit, 0 % DTI, 6 figure income. Absolutely no reason for this. I do not want this suspension to affect my credit rating. If the credit issuer freezes your account, your credit report my indicate a CLS notation to the account-a code that stands for credit line suspended. I am not going to be happy if my credit is affected due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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 SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-02-22 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: FL

Complaint narrative:
I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.

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 2020-02-22 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: FL

Complaint narrative:
I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: CA

Complaint narrative:
XX/XX/2020 I sent {$200.00} using Zelle to XXXX for payment of a XXXX XXXX  from XXXX. I messaged this person on XXXX for a tracking number, but my messages were ignored. I asked for updates each day after that, but no response. Finally, about a week later, when I threatened to open a claim to get my money back since it seemed my purchase was not going to be sent to me, the individual claimed that I was the scammer. They ultimately blocked me and our message exchanges no longer exist. I called XXXX to see how I could get my money back, but I was told that there is nothing that could be done. I would just have to come to terms with losing the money. I was not aware that Zelle did not have some sort of consumer protection and will no longer be using it in the future.

Company response to consumer: Closed with explanation