vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
ON XX/XX/XXXX a gift card was purchased at XXXX XXXX at XXXX in XXXX XXXX XXXX CA. Phone number XXXX. The card number being XXXX Was mailed to XXXX XXXX in XXXX Texas. The card was received in the mail XX/XX/XXXX. 
Upon trying to use the XXXX funds on the card, it was shown that the card was already used on XX/XX/XXXX at XXXX XXXX. store in XXXX Ca at XXXX XXXX for the full amount of XXXX. 
I immediately contacted BHNDISPUTE dept. and they advised me to fill out a DISPUTE FORM and either fax it or mail it, I did both. I have called several times and they had asked for proof of purchase, so I sent them the information they needed via email. When calling them they stated they have not received anything so I kept sending it. I have called numerous times and have been unsuccessful with any answers, the only for sure thing was they kept telling me to be patient and let the dispute dept. investigate. They also told me if it was a bank card that purchased the gift card you would need a bank statement. A credit card did not need one. The gift card was clearly purchased with a credit card. During the duration of XX/XX/XXXX to XX/XX/XXXX I never received a phone call from them, and the only piece of mail they sent me WAS THAT THE DISPUTE WAS CLOSED AND COULD NOT BE REOPENED From Blackhawk Network. I then called XXXX in XXXX XXXX XXXX where the gift card was a purchased and they made a call to the company, no success, I also called XXXX in XXXX Ca but was unsuccessful of a return phone call to let them know that there was a fraudgelant charge that occurred there. This company was completely unprofessional and very difficult to work with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise & Associates
State: GA

Complaint narrative:
Again today I received a call concerning a debt owed by an individiual not known to me. I have already contacted this company to report this but they continue to call.

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 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
I prepaid my property tax to XXXX County Il in hopes of taking advantage of the recent tax law changes. 

Payment made XX/XX/17 for {$7600.00} Amerihome Mortgage Company refunded from my escrow {$6600.00} They refuse to pay me the full amount of my payment and owe me {$1000.00} AmeriHome XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I HAD A CREDIT CARD THAT I USED WITH NAVY FEDERAL CREDIT UNION. ALWAYS PAID ON TIME UNTIL I LOST MY JOB AND HAD TO HOLD OFF ON PAYING SOME BILLS IN ORDER TO SUPPORT MY FAMILY. THIS CREDIT CARD BEING ONE OF THEM. ONCE I GOT A JOB AND STARTED PAYING BILLS AGAIN AND GOT BACK TO THIS ACCOUNT, I CALLED IN TO NAVY FEDERAL CREDIT UNION TO PAY OFF THE REMAINING BALANCE ON THE CARD WHICH AT THAT POINT WAS 30+ DAYS LATE. SO THEY TOOK MY NEW BANK ACCOUNT INFORMATION TO PROCESS PAYMENT AND PROVIDED ME WITH AN EMAIL CONTAINING CONFIRMATION OF PAYMENT AND NEW REMAINING BALANCE OF {$0.00}. ALL THAT WAS DONE ON THURSDAY XX/XX/XXXX. A FEW DAYS LATER THEY STILL REPORTED THE PAYMENT NOW 60 DAYS LATE. I CONTACTED THEM AND SAID THAT THEY RECEIVED THE PAYMENT INFORMATION FROM ME ON THAT THURSDAY XX/XX/XXXX BUT THAT DUE TO THE PROCESSING TIMES THEY HAVE AND WEEKEND AHEAD THAT THEY DID NOT RECEIVE THE FUNDS UNTIL THE FOLLOWING TUESDAY THATS THE REASON WHY IT STILL SHOWED LATE. I DID SPEAK WITH A REPRESENTATIVE AND SAID THAT THEY WILL APPROVE TO REMOVE THAT LATE PAYMENT NOTICE BUT THAT IT WILL TAKE ME CALLING THE BUREAUS AND HAVE THEM CONTACT NAVY FEDERAL DIRECTLY. TODAY IS FRIDAY XX/XX/XXXX AND STILL NOTHING HAS BEEN RESOLVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and Trans Union ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

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 2018-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: NY

Complaint narrative:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, Experian, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

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 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was told I would get a XXXX  dollar credit for XXXX dollar of purchases within the next statement. Later, they changed their answer to only get it after two billing cycles. I had called two times to confirm this and they only changed their answer after I had already made the purchases. They only offered the offer when I tried to cancel the card. CITI is clearly bait-and-switching their customers to extend their credit cards. This is unacceptable.

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 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/17 I made my mortgage payment on line to XXXX. I always make my payments at the end of the month before 12 AM. XXXX assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/17 a little after 9 PM. ( on time ) Upon checking my credit report in XX/XX/2017, I noticed that XXXX reported that I was late on my mortgage payment for XX/XX/2017. XXXX reported that I made the payment on XX/XX/17. I immediately called XXXX to address the issue in XX/XX/2017 and the representative looked up the payment information and admitted that the error was made by XXXX and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called XXXX and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/17 and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after 9 PM and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow XXXX to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that XXXX does not valueme as a loyal customer by putting incorrect and negative information on my credit 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 explanation
Consumer complaint received 2018-03-23 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: NY

Complaint narrative:
On XX/XX/17 I made my mortgage payment on line to XXXX. I always make my payments at the end of the month before 12 AM. XXXX assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/17 a little after 9 PM. ( on time ) Upon checking my credit report in XX/XX/2017, I noticed that XXXX reported that I was late on my mortgage payment for XX/XX/2017. XXXX reported that I made the payment on XX/XX/17. I immediately called XXXX to address the issue in XX/XX/2017 and the representative looked up the payment information and admitted that the error was made by XXXX and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called XXXX and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/17 and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after 9 PM and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow XXXX to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that XXXX does not valueme as a loyal customer by putting incorrect and negative information on my credit 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 explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
Repeated phone calls to my place of employment. Repeated phone calls to my extended family including telling my father about my debt. And back to back to back phone calls to my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I contacted XXXX on XX/XX/XXXX and I explained to them in full detail that my home was in foreclosure and my sale date was scheduled for XX/XX/XXXX ... .I told them that I wanted to keep my home. I paid them {$2200.00} in XX/XX/XXXX ( drafted from my account ) for them to either stop the sale date or put it on hold to work out a loan modification plan. I was notified on XX/XX/XXXX that my home sold on XX/XX/XXXX and then they took another {$500.00} from my account in XX/XX/XXXX and stated they would try to have the foreclosure rescinded or get me cash for keys or a rent back option or they would file a consumer financial protection bureau complaint against them. Whenever I try to call or email or leave a voicemail with several individuals within this company ... .no one will contact me. No one EVER answers their phone, they have an answering service who ALWAYS transfers your call to a voicemail. No one responds to emails or voicemails until after it's too late. I have since closed my bank account to prevent them from drafting more money from it. To my surprise, I got a phone call from someone in the accounting department from XXXX today ( XX/XX/XXXX ) stating that my payment wasn't received ... .I explained to the gentleman all of my frustrations and told him that I would NOT pay them another dime for anything and he hung up on me. This company is a crook! I am currently 2 months into the 6 month redemption period of my foreclosed home ... ..I want some legitimate help redeeming my home! I want this company stopped once and for all and I want my {$2700.00} back please.

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 2018-03-23 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: GA

Complaint narrative:
I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was called today on XX/XX/2018 and have been repeatedly called by this company to collect a debt that I do not owe. ( There is nothing on my credit report. ) Many times they refuse to identify who they are.

They have also called my wife, parents, brother and sister to collect a debt I do not owe, disclosing details about the alleged debt. My parents were threatened that I would be prosecuted if the debt was not paid.

This has gone on for years. Approximately two years ago I sent them a cease and desist letter demanding that they stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
I am a XXXX year old responsible XXXX  XXXX XXXX veteran with full medical coverage through the Dept of Veterans affairs.I do not have personal responsibility for this hospital bill.I have made no payments on this account and XXXX has never contacted me. On XX/XX/2017 I fell through a XXXX   and XXXX XXXX. I was XXXX  and treatment at a Veterans health care facility was unavailable in this emergency.The hospital was informed PRIOR TO TREATMENT that the payee would have to be the OR. Dept of Health ( my client ID XXXX ) or the XXXX Veterans Choice Program. After numerous contacts with the hospital, Veterans Admin., the Oregon DHS ( department of human services and the office of US SENATOR XXXX XXXX I was told that the hospital would pursue payment from the  appropriate party and NOT ME! The hospital was negligent ( LAZY ) in their proper pursuit of payment. At some point without notice the hospital turned this in to collection.At no time did they try to resolve this matter in a professional or compassionate manner with me. Now my credit score has been severely diminished ( 30 points ) It is reprehensible that a Religious organization hospital would conduct itself in this manner without competence and compassion.

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