vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a {$100.00} XXXX XXXX gift card on XX/XX/XXXX. 
I did not open it until XX/XX/XXXX, when I wanted to purchase an item at a store. It did not work and so I went to the XXXX website and found that the new unopened gift card that I have in my hands was registered to someone else and purchases were made and there was a {$5.00} balance left. I contacted customer service on XX/XX/XXXX and faxed over the required documents to report a stolen card, front and back of gift card, activation status receipt, and driver 's license. They said they couldn't read the drivers license so I faxed it again on XX/XX/XXXX and I also sent a hard copy in the mail. I followed up and they said that there was nothing they could do because the receipt did not have a time or date. It is from a XXXXXXXX XXXX store # XXXX, located in XXXX XXXX, CA. It was a gift from a co-worker and that was the only receipt given to me with the card. 
I also have screenshots from the website of who the card was registered to and what and where their purchases were made. 

Attached are all the files that I sent to prepaidgiftbalance.com customer service.

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 2022-05-20 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: NC

Complaint narrative:
XXXX continues to be on my reports where it stated it was supposed to be removed. I have attached report.

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 2022-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I am currently unemployed and my husband left me and our daughter. Still no word from him yet. He was the bread winner of the family so I was left with nothing whenever he walked away. We have been in forbearance for 6 months now. And I don't know what to do with the house mortgage. The last payment we made was in XXXX of 2021 in the amount of {$1200.00}... I need help with paying the mortgage and taking his name of our the house and property. now that our escrow is running out I'm getting really nervous on how to save our home. Please email me at XXXX ..... If you can please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Synovus Bank
State: TX

Complaint narrative:
I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " 1STPROGRESSBANK '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed a letter requesting verification of the information held with the company XXXX, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from 2015 in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education XXXX XXXX XXXX and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.

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 2022-05-20 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: TX

Complaint narrative:
I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

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 2022-05-20 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: TX

Complaint narrative:
I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

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 2022-05-20 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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
Consumer complaint received 2022-05-20 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: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
Thank you for reviewing my case. The overview : My experience of going through a conventional refinance application with Movement Mortgage and XXXX XXXX was miserable. It was during the height of the pandemic and my partner was a floor nurse dealing with Covid patients, but somehow, XXXX XXXX managed to make things even worse. The process started XX/XX/2020 and by XXXX, 2020, after countless requests for P & L statements and multiple " Changed Circumstance '' letters where the points incrementally increased every time from XXXX, to XXXX to XXXX with no word or explanation, I was effectively ghosted by XXXX XXXX who stopped returning my emails deep into the process. As an example of the type of client service he offers, there was also a 2-month delay from XX/XX/XXXX to XX/XX/XXXX for a simple " yes/no '' answer from a second-mortgage holder on subordinating the second. That said, abysmal customer service isn't why I'm reporting XXXX XXXX. My primary issue is the fact I paid {$500.00} for an appraisal he ordered for my loan application ( which as described went nowhere ) and when I reapplied for a loan with another broker, XXXX XXXX in XX/XX/2020, XXXX XXXX refused to release the appraisal, saying no such transfer was possible ( relevant email thread included ). XXXX XXXX assured me the previous appraisal was still good and there was no need to get another one. But since XXXX XXXX wouldn't cooperate, I had no choice but to pay {$520.00} for a new one ( XXXX XXXX, copy included ) so I could pursue the new loan. I should note that ONE MONTH later, I had my conventional refinance through XXXX XXXX approved. I had the same income, same circumstances, same pandemic going on, but no months-long games like XXXX XXXX put us through. My simple request is to be refunded the {$520.00} that XXXX XXXX cost me because he wouldn't simply convey the still viable appraisal to my new loan broker. Considering all the time, effort and frustration he caused my partner and me, I think he's getting off easy. And I hope this note serves to steer those looking for a loan broker in the opposite direction. He's a bad investment of time and trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I closed on my house in XX/XX/2020. At that point I paid {$480.00} to escrow for taxes and insurance. I then paid {$160.00} for each month for the escrow ( no payment in XXXX, because that was paid at closing, so XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 ). 

The mortgage company, currently WSFS, who bought out XXXX XXXX XXXX, somehow handled by XXXX, is saying my escrow was not paid prior to XX/XX/2020 and they credited the wrong amount for 2020. 

They are also stating they have no record of my account prior to XX/XX/2020. They are required to keep records for 7 years, but no one I have spoken to has been able to tell me how to follow up on finding these records. 

Because the mistake was made so far back I have paid $ XXXX extra from XXXX XXXX to catch the escrow up. Despite paying this {$200.00} they are upping my payment again, saying that my escrow is still behind. All of this would be resolved if they had properly credited my account and I believe I actually have an overpayment of approximately {$1200.00} and thus don't owe a higher payment. 

I have called repeatedly and they have refused to research the issue. I have spoken to 4 or 5 regular representatives, as well as one member of the escalation team. I have requested to be called back by a supervisor, but she called while I was in a work meeting and there is no way to call her back. When I called and asked to speak to her they refused to put the message in. 

I also spoke with XXXX XXXX who was the bank representative who helped me with my closing. I have emails from him stating he agrees that the escrow is messed up, and he has spoken with many of his colleagues but reports he is also being told that no one knows who should handle this issue, WSFS, XXXX XXXX XXXX, or XXXX. 

I uploaded copies of the cancelled checks to the WSFS portal and called today to confirm they are researching and they stated they would not be doing so until the ticket comes up in the list of tickets, on XX/XX/XXXX, and that each month will be researched separately.

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 2022-05-20 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting fraudulent and inaccurate information... violating my consumer rights!

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 2022-05-20 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting fraudulent and inaccurate information... violating my consumer rights!

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 2022-05-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting for their response to my written requests. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information. Now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I have tried calling them and requesting for anything in writing proving my association with the bill but they never send anything, its been months of going back and forth. I have no idea what company they are collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.

Company response to consumer: Closed with explanation