vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Revolution Financial Inc.
State: TX

Complaint narrative:
XXXX  card XX/XX/2022 XXXX card was having known technical issues to their system. I made one {$50.00} top up ( bank transfer addition to card balance ) at XXXX XXXX that was completed successfully and added to my balance. The same day at XXXX I made another {$50.00} top up that displayed completed in the XXXX app but never added to my balance. Because this top up was necessary for me to make a purchase in the retail store, I had to immediately attempt another {$50.00} top up that was completed and added to my balance. I waited for the XXXX top up to appear in my balance but it never arrived. I contacted XXXX repeatedly asking for all receipts for top ups made on XX/XX/XXXX, the customer service reps provided 2 XX/XX/XXXX receipts and an already completed XX/XX/XXXX top up as evidence of the completed transactions. I acquired my bank statement that clearly showed the 3 {$50.00} transfers to XXXX bank on XX/XX/XXXX. XXXX refused to acknowledge that their system applied one of my XX/XX/XXXX transfers to a past completed transaction. I have evidence from my bank that all 3 {$50.00} transfers to XXXX were completed and taken by XXXX. I have been dismissed and ignored by XXXX customer service with no one willing to help. 
I requested XXXX provide me the receipts and as stated only 2 {$50.00} transfers appear in their documents all times correspond to my bank statement with the one {$50.00} transfer stolen by the XXXX system. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB
State: AZ

Complaint narrative:
I have used the service provider Klarna Inc since 2021 without any issues, until recently. After numerous attempts to apply for the product, meeting all of Klarnas requirements, and satisfying all payments in a timely manner, Klarna has begun to discriminate against me and refuses to assist with the ongoing issues with their service. 

The issues stems from their automated approval system that performs a soft credit check every time a customer attempts to create one of their one-time use cards that are provided by their Buy Now Pay Later model, that allows users to split their payments into four equal payments if you use their service. 


For the past two months Klarna has declined my applications for one of two reasons whenever I attempt to use their service, their notices of adverse action show they either can not verify my identity or the payment method I am using is not able to be approved. 


I have verified and concluded all of my personal information on the Klarna website and my credit and consumer reports are the same information Klarna has always used when they approved me in the past, and the payment method I have attempted to use is a payment method accepted by Klarna that I have used before and meets the accepted payment methods Klarna advertises as the credit card in using is NOT XXXX XXXX 


Klarna accepts all major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted Please note, XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 


At this point I feel Klarna is discriminating against me as they have refused to look into the issue and have ignored my complaints regarding their system. 

My partner uses the same service and we both used Klarna with the same frequency but he is still able to use XXXX service without interruption, even though his credit/consumer profile and history with Klarna is below mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
Applied for a short sale with The Money Source - servicer for the FHA loan. There is a partial claim as well that was part of a loan mod before XXXX took over the loan. XXXX has no clue how to service an FHA loan and closed out my review even though I have an offer at the appraised value because they did not include the partial claim in their calculation. I requested an appeal through my online portal and it has been over 2 weeks and the appeal is not open because they are saying the email had to go somewhere else. My attorney also sent in documentation that they are incorrectly servicing the FHA loan and they claim they did not receive it, even though counsel has a confirmation email that it was received. Called in on XX/XX/XXXX to check on the appeal and was told it had not been submitted. XXXX, the XXXX for the account said she would get it submitted. Called in on XX/XX/XXXX to check on the status of the appeal- was told it is a closed file, no appeal ever received. Not sure how that jives with the XX/XX/XXXX call when XXXX could see it, but now they cant. The Money source will not take responsibility for not reviewing the file correctly and instead putting the blame on their borrower. there is an attorney on this case, the attorney sent in the documents on XXXX, but they will not open the appeal because the borrower sent an email in the secure portal and not to the generic " lossmitgation '' email. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  Gave my account to Credence Resource Management , LLC for collecting my remaining Ambulance charges. 

Collection Agency name : Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credence Resource management collected {$1000.00}. The actual amount I owed was {$520.00} ( Per XXXX insurance summary of benefits ). So Credence Resource falsely collected {$550.00} ( {$1000.00} - {$520.00} ) from me. 

On calling them multiple times for this issue and submitting my request to refund the remaining amount, Credence Resource Management denied it. ( I still don't know where my money is, or even if I will get it back ) Per the practices of FTC, a debt collector can not collect debt more than what a consumer owes. 

A federal action should be taken on Credence Resource Management for their unfair debt collection practices. When they called me to collect this payment they said that they can not wait until I hear back from XXXX insurance on my benefits summary and I need to owe them {$1000.00} right away. 

XXXX action should be taken for this. In return I must be compensated the nominal interest and the amount falsely charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello my name is XXXX XXXX I live in XXXX XXXX North Carolina. I am a XXXX XXXX I do XXXX work I offer my services in North Carolina and also in XXXX NY. Back in XX/XX/XXXX I came to Bank of America to do a wireless transaction of XXXX this was my first time doing a wireless transaction. One male took the whole information and help me with the transaction he gave me a receipt to make sure everything was right and I noticed that he messed up the amount he put XXXX on the transaction instead of XXXX. Which I immediately told him to cancel the transaction because they mess up the amount and I was coming back home the next day so I will try to do it in NC. He contact his manager XXXX because he was unable to get in the system to do it so I talk to her and told her about my situation i was far away from home so instead of changing the amount I would love to have it cancel. She agreed and she told me that she will do that right away. After a week a call her and email her and she did not respond to me I send my worker XXXX XXXX to her office so he can ask her how much longer should I wait to have the money back on my account and she told him 30 days. In XXXX I fly to XXXX to ask her again why the money was not on my account yet, which she told me it can took more than 3 months to be there she gave me one more page where it said it was Bank of America fault. Today is XX/XX/XXXX I had call her and email her and her last email was that I need to call customer service regarding that transaction. At this point I do not know what to do that money is for my business taxes I work hard very hard and now she is not giving me an answer. 
really need 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 2022-06-24 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A also states a consumer reporting agency can not furnish an 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 2022-06-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit Reporting Agency The credit reporting agency Experian has refused to do and provide accurate investigation results. The inaccurate info they are reporting is hurting my ability to obtain credit for business and personal reasons. Ive tried to dispute the inaccurate information multiple times and still havent be provided proof of the account being mine. 

The account they refused to proof for is : XXXX XXXX XXXX Services 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 2022-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX sold the debt to National Credit Adjusters , XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with National Credit Adjusters, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both XXXX XXXX XXXXXXXX and National Credit Adjusters refuse to communicate in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I completed a {$2800.00} Citi balance transfer in XX/XX/2022. In XX/XX/2022, after the balance transfer did not go through with the other bank ( XXXX XXXX ), I contacted them and they told me they never received the money from Citi. I called Citi and they adamantly insisted that they sent it. They even sent me a receipt showing they sent it electronically. When I contacted XXXX XXXX again, they said they had still not received it and there was nothing they could do. So I called Citi again and opened an investigation on the matter. It concluded that the money was paid to XXXX XXXX, which it was not. I called XXXX XXXX again in XX/XX/2022, same thing. They can't do anything. Citi opens a second investigation because we discovered that the balance transfer was sent to the wrong account, it wasn't even sent to a XXXX XXXX account. Therefore, there is no way for XXXX XXXX to reimburse my account for the balance transfer because they don't have the money. I call Citi again on XX/XX/2022. They open a third investigation for the same thing, the balance transfer was sent to a wrong account. They say in 20 days they will call me with the conclusion. They never call me so I called them today. The guy has no idea about any investigation and still has no answers on a solution. So now I have {$2800.00} of extra debt that shouldn't exist because somehow Citi got the wrong account number and sent my balance transfer to the wrong company. XXXX XXXX does not have it. And now I have extra debt that shouldn't be there that Citi claims they can't cancel.

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 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
received a letter from chase that they are closing my business checking and saving account because of unexpected activity! they do not provide any information what are these " unexpected activities '' their decision is causing me big loss of money and time, I have many unused checked I paid for them! how is responsible for these loss? 

If they are closing my account I am entitled to know what did I do wrong exactly! is it dictatorship in this country that they just can say it is what it is, with out providing information? 

I am 100 % that I did not do any " unexpected activities '' and it is a big misunderstanding and if they provide more info there must be an explanation that will fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NV

Complaint narrative:
I have made countless attempts to resolve this matter concerning my personal information bring stolen and sold on the black market, I have filed several police reports and ftc reports which I have attached to this compliant, But XXXX, Equifax and XXXX and XXXX XXXX XXXX has made this process more that difficult to resolved I have spoken with the " special divisions team '' on several occasions but the items on my report that I do not know of or have not authorized have not been removed from my report, as I have requested I am trying to get this matter resolved before I take further Legal action based of the FCRA law and consumer rights which have not only been violated, but no one is helping me in this matter and I am the victim, with accounts still being opened in my name to this day, I was to remedy this quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-24 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I got a notice on the XXXX app that I was preapproved for their card and I can check without impacting my credit ( and offered me {$60.00} off my next order for doing so ). I checked into it, but they did a hard inquiry without my consent or permission. I am upset as I have a roof repair I need to complete and I never would have agreed to see if I qualified if I had known they were doing a hard inquiry. This inquiry is just another reason I have been denied by XXXX XXXX, who said one of the reasons was too many inquiries. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
FREEDOM MORTGAGE STAY AWAY FROM THEM. 



If you are a veteran or someone who is using freedom mortgage, please stay away from that company, especially when you are trying to refinance with a different company. They lied to this company so that way I couldn't be able to refinance with them. Here 's my story and how they try to XXXX me over. 

In XXXX of 2021, I received and signed a modification agreement letter from Freedom Mortgage. My three trial payments for this agreement began in XXXX of 2021, and I have made every payment on time since then, except for XX/XX/2021. Freedom Mortgage claims that I have been delinquent on my payments since XX/XX/2021. This statement is false, and I have all bank statements to show I made those payments during that time frame. 

my ex-wife and I signed and notarized all required loan modification documents on XX/XX/2021, and sent them back to Freedom Mortgage. In XXXX of 2021, after I had completed all requirements for the loan modification, I received a letter from Freedom Mortgage stating that I was no longer eligible. I got XXXX XXXX, VA Loan Technician, involved at this time, who also had to get her supervisors involved to handle this situation. I was told not to make my XXXX payment until Freedom Mortgage honored their original loan modification agreement. Freedom Mortgage took two months to process the loan modification.

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 2022-06-24 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:
I have submitted disputes to you and didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation