vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a Visa Gift Card, prepaid and loaded with {$250.00} ( purchased from XXXX in XXXX XXXX, Washington ), that was given to me in XX/XX/XXXX. I tried using the card for the first time on XX/XX/XXXX online, and the transaction was declined. I tried using the card twice in person, once on XX/XX/XXXX and XX/XX/XXXX. After these declines, I tried logging online to XXXX to see what I could find out. 
I was unable to log on to the website, due to an error message saying the card number did not match the XXXX security number ( XXXX digits on the back ). I called the customer service number on XX/XX/XXXX and spoke with an agent. The agent told me the card had been used in person at a XXXX store in XXXX, California. I expressly stated that this was fraud and that I was still in possession of the card, and I am located in XXXX  XXXX. I was told on XX/XX/XXXX that XXXX 's entire fraud system is " down '' and that there was no way for me to lodge a dispute and to call back today, XX/XX/XXXX. 
I called again XX/XX/XXXX, and was told again that their entire fraud system is down, there is no way they an help me, and they have no estimated date of when the fraud department will be back in service. In addition, there was no record of my phone conversation on XX/XX/XXXX where I expressly stated my card had been used in a fraudulent transaction. 
I repeatedly asked to get logged in so I could see a transaction history, was denied. 
I asked for a detailed history on the card ( date the card was registered, who the card was registered to ) and was denied any information, only being told that since the card was now " inactive '' they no longer had access to that information. 
I also asked for an explanation on why the website error told me the XXXX number did not match the card number. They did not have an answer for me. 

I believe that the company sold a bad card, and as I am unable to launch a fraud investigation, I have no way of recuperating the lost funds in the amount of {$250.00}. 

In addition, my co-worker is having the exact same problem with this company. Her VISA prepaid gift card was used on the exact same date ( XX/XX/XXXX ) at a XXXX in XXXX, California.

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 2022-02-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I found out in XX/XX/XXXX that a XXXX XXXX XXXX XXXX account was opened in my name in XX/XX/XXXX. XXXX made a hard inquiry before opening the account. Both the inquiry and account were then included in my credit profile at all three agencies ( XXXX, XXXX and Equifax ). 

I reached out to XXXX to investigate, and they determined the account to be fraudulent. They sent a letter dated XX/XX/XXXX confirming that they closed the account. They sent a 2nd letter dated XX/XX/XXXX confirming a fraudulent application was made in my name and that they informed the credit reporting agencies to remove the account. They sent a XXXX letter dated XX/XX/XXXX stating that they requested that the consumer reporting agency " change '' the inquiry. I have no idea why they used " change '' instead of " remove. '' I also reached out to all three credit reporting agencies. XXXX and XXXX removed both the account and the hard inquiry. Equifax only removed the account, but not the hard inquiry. I have had multiple conversations with Equifax representatives and got different reasons for why the inquiry remains. 

I want the hard inquiry removed since it was based on fraud, unauthorized by me, misrepresents the nature of my creditworthy behavior and impacts my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CO

Complaint narrative:
On XX/XX/XXXX, an unknown party used my personal information as well as my wife 's to open a fraudulent personal loan account with a company named XXXX XXXX XXXX. The credit application and ensuing loan were generated without my wife or me having contacted the bank for any reason. We also never received any check or wire transfer for this loan. Since the day the account was discovered on our credit report after it was already open, we have contacted the XXXX XXXX  on XXXX separate occasions to inform them of this fraudulent activity with the expectation that they would investigate and close the account. I have also initiated disputes with TransUnion XXXX  XXXX for my credit report. As of XX/XX/XXXX, the account is still unresolved and XXXX XXXX  asked for a past due payment. 
The loan in question was opened for a total of {$5000.00} without any direct knowledge from my wife or me. We never received any form of contact from this bank leading up to the loan. We never were contacted or provided any documents after the loan was processed, including any bills for payment. This is an indication of fraud as well. The loan has clearly been opened without our involvement and we also have no physical record of any loan from XXXX XXXX or documents related to it. 
XXXX XXXX XXXX contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX police credit unon has been changed, new name, also updated website, and uses robo calls with no live operator after choosing to speak to live person to make payment. online was down. i disuputed and experian took their side, without even looking at their website to see info has changed. for a small mount of less than {$80.00} they have put incorrect late mark on credit and will not fix it. i provided proof. this is predatory lending practices. i have a paid experian monitoring and they don't help by removing this at all. i provided all the reasons.

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 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: AZ

Complaint narrative:
KLARNA denied me an extension of credit on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I accidentally deposited a business check through my CHASE APP into my personal account, which caused CHASE to close the account and hold on to my funds. because they thought the account was fraudulently open and that I have stolen the funds. They asked me to go into the branch and verify my identity and bring in XXXX forms that confirm that I am the rightful owner of this company. After I had not heard from anybody back in XXXX weeks I Called to follow up ( I was on hold for an hour and XXXX minutes ) and I was told that they couldn't release the funds because my XXXX registration is listed as " Company Name XXXX XXXX '' where the chef written had the COMPANY NAME on in it, without the XXXX XXXX part. 

They refuse to give me my money back and they refuse to issue a refund to the company that has written it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a homeowner in California with an XXXX XXXX XXXX. During the Covid-19 pandemic, due to a hardship from COVID-19, I entered into a Covid-19 hardship forbearance plan with my servicer # # # Mortgage from XXXX through XXXX. Just prior to the completion of the Forbearance plan, I applied for, and was approved and offered a loan modification from # # # Mortgage on XXXX. However, there was a big problem with the modification as it was presented to me. It stated that I was denied the Owner-Occupant XXXX XXXX XXXX  XXXX  due to the fact that PHH could not achieve a minimum 25 % principal and interest payment reduction as required by investor guidelines. It also stated that I was denied the Covid-19 Standalone Partial Claim due to # # # Mortgage being unable to Verify that I live in the property as my primary address. Lastly, I was denied the XXXX XXXX XXXX, as # # # Mortgage could also not verify that I live in the property as my primary address. The only Modification I was approved for and offered was the Covid-19 Non- Occupant Loan Modification. I however, immediately contacted # # # Mortgage and informed them that I did indeed live in and have lived in the property as my primary residence since purchasing the home in XXXX of XXXX. I informed them that they made an error in presenting me the XXXX XXXX XXXX and I was told upon several instances that the corrected Loan Modification would be presented to me. In fact on XX/XX/XXXX, I and an XXXX  counseling agent called on a conference call to formally explain the error. However, as of this date of XX/XX/XXXX, all I have received from # # # Mortgage have been stalling tactics via letters and phone calls that have not led to correcting the error. In fact now I have received a formal denial letter stating that I did not return the required documents in a timely manner. The letter states that my only option available now to stave off a foreclosure is a Short- Sale or Deed in Lieu. Please help me get this matter corrected and stop # # # Mortgage from taking my home by using these erroneous and aggregius tactics of falsely and possibly illegally denying my rights to a proper XXXX XXXX XXXX XXXX XXXX XXXX  offer. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: OH

Complaint narrative:
On XX/XX/2021, I sent a dispute to XXXX, Experian, and XXXX. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
*THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Reporting unverified and inaccurate information on my consumer report that is hindering my ability to conduct business transactions and is harming my consumer reputation. Reporting alleged debt of {$420.00} when I have no written contract with PORTFOLIO RECOVERY ASSOCIATES. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violation of15 USC 1692b ( 5 ). Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violation of 15 USC 1692d ( 2 ) using obscene language that I, the consumer abusive. Debt does not belong to the consumer XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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:
To Whom it may concern : In viewing the documents I received from the furnisher that are relevant to the credit entry you report on my credit file, I noticed inaccurate reporting on XXXX behalf. 

The terms of this particular credit entry that you have been falsely publishing for more than five years are not the same terms that were in this original contract. The terms for this entry was 72 months yet you have been incorrectly reporting the term as 81 months. The furnisher, XXXX XXXX, has also certified to me and the CFPB that the terms were 72 months. The documents have the same furnisher name and account number of : XXXX. This is not two installment contracts, only one. This would completely change the entire loan structure with terms that you entered compared to the true accurate terms on the documents. The FCRA requires that credit bureaus must report information with 100 % accuracy in which you are not. 

Experian has been lying and falsely verifying this incorrect information as accurate after more than 8-9 disputes ; Experian never conducted any investigation into my disputes as the furnisher provided to me the entire correct accounting history for this credit entry and it coincides with the inaccurate data points that Experian continually verified as 100 % accurate. 

In the Federal Civil case of XXXX XXXX vs. XXXX XXXX, case No. XXXX, The attorney that represents XXXX XXXX has stated to me at pre-trial discovery that her client did not request Experian to publish this information and that Experian alone has subjectively falsified and published this information solely on their own. The legal representatives name is XXXX XXXX XXXX. Her law office is called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX. Her phone number is : ( XXXX ) XXXX, and email : XXXX XXXX XXXX 

Refusing to correct inaccurate information, or removing the account from my file after being notified multiple times places you in violation for non-compliance. Please correct or remove this account from my credit file due to false and inaccurate reporting. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, and to be provided no later than 15 days of the completion of your investigation. 

Any Automated response XXXX verification is unacceptable. I am requesting a true investigation and your Method of Verification.

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 2022-02-03 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: WA

Complaint narrative:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! XXXX attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: WA

Complaint narrative:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CEO, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation