vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received a letter dated XX/XX/2022 from XXXX. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. Ally Bank XXXX XXXX XXXX XXXX  have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
My ex girlfriend stole my debit card and found my pin and made several unauthorized/fraudulent transactions on my account while I was hospitalized with XXXX. I was hospitalized from XX/XX/2021 - XX/XX/2021. The fraudulent transactions were made with my card from XX/XX/2021 - XX/XX/2021 totaling {$3700.00}. I have since faxed documents such as a written statement of what occurred, copy of my ID, a police report, and a hospital discharge form to US Bank Reliacard Cardholder Services. I have been denied and not given a specific reason from any of the several different customer service reps and fraud department reps I have spoken to. I have been given a different story or scenario and time frame several different times during the past 60 days with no results.

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 2022-02-09 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:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX {$690.00} Account Resolution Services ( XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: MD

Complaint narrative:
There was a false eviction on my credit report back on XX/XX/XXXX with a zero dollar balance. I was never evicted in fact I am still currently living here as of XX/XX/XXXX. I am trying to move but this is hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I received my tax bill from the county, I contacted Chase to confirm that they will pay it from my escrow account. They said Rest assured that nothing is required from you. We will always pay for your tax since it is part of your escrow account. 

However, what they failed to inform me was that they do NOT pay the supplemental tax bill from escrow ( even though the amount I was charged every month would be enough to cover it ). When the payment was late, I was charged a {$200.00} late fee from the county. 

I contacted Chase and they said they will not reimburse me for the {$200.00} late fee even though they told me they would pay the bill. Upon second contact they said that it said in my closing documents that they do not pay supplemental bills from escrow. However, I reviewed all my signing documents and could not find any such language. Chase bought my mortgage from my lender last year and the original lender never notified me of this either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the 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 non-monetary relief
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in XXXX bank on XXXX and one for {$5200.00} was deposited in BOA on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at XXXX or BOA that is willing to talk to us.

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 2022-02-09 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:
Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past ten years.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The XXXXXXXX XXXX  account of {$630.00} on my credit report is being reported as OPEN and this is should be reported as CLOSED and this should be removed from my credit report because of inaccurate credit reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I attempted to review my Credit score with Experian they state there is not enough information to provide a score. They also advised they show me as deceased. They have obviously mixed my name up with my deceased fathers name. I have a good credit rating with XXXX and XXXX. They need to correct there mistakes and not bind my debts with my deceased father. I have assigned current accounts that the other XXXX credit reporting agencies have why does Experian have these problems.

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 2022-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
We have been constantly contacted XXXX times a day each by Kia Motors Finance XXXX We made a payment and continue to receive multiple harassing calls sometimes before XXXX. My husband was called at XXXX this morning ( XXXX ) after we made a partial payment ( XXXX ) as harassed to do relentlessly. We have reiterated multiple times we would zero out the owed balance on Friday XX/XX/11. Kia continues to call via their automated system every XXXX hours to demand payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-09 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: NY

Complaint narrative:
I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX Account # unknown Amount unknown

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 2022-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting that XXXX has submit a hard inquiry. I reached out to XXXX on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called Equifax ( XXXX ) back on XX/XX/XXXX from XXXX and explained what XXXX stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask XXXX for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 without 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 XXXX 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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: PNC Bank N.A.
State: VA

Complaint narrative:
Hello, In XX/XX/XXXX I noticed my XXXX account was hacked resulting in more than {$520.00} in fraudulent charges being charged to my debit card on file. I reported these fraudulent charge to PNC Bank and a provisional credit was applied to my account. I changed my passwords and was issued a new debit card. In XX/XX/XXXX, PNC then reversed the provisional credit applied to my account and debit more than {$520.00} from my account. When I called the bank to dispute these fraudulent charges *again* I was informed that " my request was denied ''. These charges were fraudulent and remain fraudulent. They are not offering any recourse for addressing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX XXXX  collection account of {$660.00} is showing Open and this should be reported as Closed since it is a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX  to direct all communications to : Creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Comenity Bank, XXXX XXXX. XXXX XXXX XXXX Including in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX.Letter was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on it.XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {XXXX and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: AL

Complaint narrative:
On XX/XX/2021, i utilized a virtual in-store card at XXXX. The virtual card was used for a purchase of pendant necklace in the amount of XXXX. The XXXX store is located in XXXX, TN ( XXXX XXXX ). 

I returned the item on XX/XX/2021, same store. I spoke with the department manager that printed a new receipt showing the return of the item. And a purchase item return receipt. 

Ive contacted Klarna sent all relevant documents. To no avail, no results from Klarna. Ive receive emails from Klarna investigation team requesting those documents, I sent documents to them on several occasions, but they continue to close investigations alleging that I never sent documents. Also they continue to attempt collecting money for an item I returned already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I am a victim of identity theft, my identity was stolen. There is a lot of incorrect information on my credit report. It is stopping me from moving forward in my life. I have made a report with my local police department, in which I was told by them to reach out to the Federal Trade Commission to do an XXXX. I have included a copy of my Federal Trade Commission XXXX. Please delete the incorrect items from my credit report. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 - I made a purchase at Amazon.com with Amazon Credit card by Chase " XXXX XXXX XXXX XXXX WA XXXX Order XXXX '' On XX/XX/2021 this item was returned ( prove of return can be provided ) Since that process going back and force between me, Amazon and Chase bank : Put amount of {$69.00} on dispute several times, constantly calling Amazon.com and Amazon Chase Credit card : One month They give me money back, next month take money back and add late fee charges on top Spoke with different people from both side - and finally got an answer : 1. From Chase Bank They will not credit me back with {$69.00}, but will wave all late fee 2, From Amazon They Provide me with an email what stands that merchandise was properly returned to Amazon and money was issued to my Amazon XXXX XXXX card for {$69.00} on XX/XX/2021 what else should i do to get my own money back?

Company response to consumer: Closed with explanation