vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I purchased a XXXX Gift Card from a local supermarket. I loaded it with {$200.00} and paid the {$5.00} fee required to purchase the card. I was careful and made sure the cardboard packaging which held the physical card was in no way opened. When I checked out at the supermarket it was the first time the package was opened exposing the barcode and 19 digit proxy number. I went home and placed the gift card in a box and placed it under the XXXX tree as a gift for my wife. 

A few days after XXXX my wife tried to make a number of purchases with the card and her attempts were denied. 

The card is issued by XXXX and distributed and serviced by Blackhawk Network California , Inc.I tried calling the phone number on the back of the card but it was impossible to speak with an agent. Only when I tried report the card lost or stolen, which it wasn't, was I able to speak to a live person. It appears that while the card was sitting under my XXXX tree, the day after it was purchased on the XX/XX/XXXX, it was used at a XXXX XXXX  XXXX for the amount of {$200.00}. This effectively brought the card balance to XXXX. 

There was no way anyone could have gotten the card information before or during the purchase process. I have to therefore deduce the card info came from XXXX 's computers during or after the activation process. 

I've filed a claim about the fraudulent purchase but they say it could take 90 days to resolve with no guarantee of a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
While I was searching job online I was approached by they call them self XXXX XXXX XXXX vacant position as Data Entry Jobs and they told me that this job will pay {$28.00} per hour and I replied them about the job and they set me an interview day online through XXXX  chat. The person who interviews me was XXXX XXXX, she sends me the job description along with all the instructions that look like a legit job and I didn't notice it is a scam. So we got the interview done on XX/XX/XXXX on Thursday. 
XXXX XXXX who interviewed me all the way and she gave me a task 1 up to task 5 and I finish those task and she said the department will review and let me know their decision, the next days she told me the board approved me and I will be rewarded {$50.00} for the time I spend for the interview with her, also they will send me a start-up check, she didnt mention the amount until I got it through mail. And then the final task was task A and task B, on XX/XX/XXXX at XXXX XXXX. 
Task A has deposited the check into my bank, after 24 hours when it's available she ask me to cash it and instruct me how to pay for the 2 vendors {$850.00} each through MoneyGram at the XXXX   location to buy the office equipment, she gave me those two vendors name, city, state. After that she also instructed me to buy a 3 {$100.00} XXXX gift card and told me to attach the receipt and the card through her email and I did all of that and the next day when I check my bank the check that I deposited through my mobile application was bounce back and I contacted my bank and they say it was a fraud check. 
Im still talking to that lady online but I lost my money over {$2000.00} and I need help. on XX/XX/XXXX, I report to the police department and they told me there's nothing they can do to help me and even if I report to the FBI, FBI has lot more pressing matters to do, then I report to Moneygram customer service fraud protection unit and told me they will get back to me as soon as they investigate but they never reply me yet. I also contacted XXXX customer fraud protection unit and they recover half of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
Medical Data Systems Owed {$2600.00} Opened XX/XX/2018 This debt doesn't belong to me. I've been calling them for months now & they will not answer so I can disputed it to get it removed off my 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 2019-01-09 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I'm being charged late fees on loans as if I'm on a payment plan while in deferment. 
I haven't agreed to a repayment plan because I'm still attending school with loans in deferment. 
My student loans are being reported as not making payments on time with late fees. They are appearing as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
1. Synchrony Care Credit is reporting account payment status incorrectly as a charge-off despite furnishing proof this account was settled in full. The correct payment status is settled in full.

2. Synchrony claims an incorrect balance despite receiving a refund in the amount of {$600.00}. 
3. I have called Synchrony Care Credit 17 times and gotten no resolution.

4. I have filed multiple disputes directly with synchrony proving they are inaccurately reporting payment status as a charge off. 
5. Synchrony is reporting the charge-off dates incorrectly. As made evident by the settled in full letter from XXXX XXXX. Stating the account was settled in full on XX/XX/2014. They claim it was charged off in XX/XX/2014.

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 2019-01-09 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: KY

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: TX

Complaint narrative:
TransUnion has 3 collection accounts reported on my credit profile. I sent them a Method of Verification request, which they received and signed for XX/XX/2018. 

By law they have 15 days to respond with the verification methods used to verify the accounts as accurate, otherwise the accounts must be deleted. 

As of the filing of this complaint it's been 20 days, TransUnion has not complied with my request, nor have they deleted the collection accounts in question. 

Per the FCRA, TransUnion must immediately delete these collection accounts from my credit profile.

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 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In XXXX I was injured and has loss of income. I requested lowered payments which I received notification of and had the loan book ; however payments are made online. The online amount was not changing and I could not afford the higher amount. I received and email regarding a forbearance and applied. For approximately 3 months Navient expressed they could NOT find my account to process the forbearance, yet sent me emails weekly to the email address that was NOT associated with any accounts. I also have XXXX cell phone records that I also attempted to call. Once the forbearance was finally approved while I kept working to get them to adjust the online payment amount to the correct amount for the payment book the took another month to actually process the forbearance after I received my approval letter. They were marking me derogatory in my loans throughout this whole process when I was told it would be dated back to my original email request date as it was their error. The delinquencies continued throughout the forbearance and followed through as I began my payments. Although it was in forbearance for 3 months my follow up payment was reported as 120 days delinquent, at one point I made a large payment to stop the delinquent reporting even thought I did not really owe it. I reached out to the company in XXXX and was led to believe it was corrected. However ; life got busy and forgot about the issue until I completed a mortgage application this week and found out my interest rate would not be 3.87 but 4.25 and that closing costs would have an additional {$2200.00} in fees due to the low credit score that the broker stated was due to Navient. I have requested an immediate review and correction through the advocate but do not believe they will do anything again this time. Please make them admit their mistakes and correct them. They also charged me hundreds of dollars in late fees! I hate to believe it was intentional fraud but it seems very suspicious to me that online there was an incorrect high payment and in emails and telephone I was told for months that my account didn't exist and it was only when I stated I would go through XXXX  XXXX  that my account was found. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I keep trying to login to my TransUnion online account but the page tells me that the credit freeze is currently unknown. I called over the phone, to remove it. Over the phone the person helping said that everything was fixed. I tried to login on to re-freeze it but the website and app both said the credit freeze was once again unknown. Reading the comments from other users on the XXXX  app, other people are having the same issues. TransUnion seems to be purposely doing this so that you buy their product. They have to legally allow for the people whose credit they maintain to be frozen.

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 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Accounts Group, Inc.
State: MO

Complaint narrative:
This is complicated. My daughter is XXXX years old and going to college. I am XXXX and XXXX. I am the non-custodial parent living in XXXX. The law states that the non-custodial parent ONLY is required to continue to pay XXXX XXXX as long as the child is in college  until she reaches XXXX years old OR UNLESS SHE FAILS TO REPORT HER PROGRESS TO ME, HOURS, GRADES ETC ... so I am paying {$3000.00} a year to support her and believe me I have contacted local, state and federal offices and nothing matters. I am nobody. I only know of where she may be in college at. Ive never got a report from her or the college, no grades, no nothing. I want my money back and for future funds, {$250.00} a month to quit being taken form me. I am doing without eating at times and have no idea if shes even still going to school. Cant tell you where she lives, nothing. She dont call, write or come see me. I have tried all the other avenues. I am a XXXX XXXX   too and I know the ropes but not well enough I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I submitted a dispute to USAA and over the last several months, USAA has not properly investigated my disputes. They have instead closed my disputes and reversed the charges without a proper and though investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX while my car was being repossessed. 
The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. 
There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX  on XXXX XXXX XXXX . 
There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. 
The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.

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 2019-01-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the fact that I had made a formal ftc complaint and a complaint with the FDIC and here at the CPFB Experian refuses to correct the issue that I was never late on the greendot account showing on my credit and that the info is false. Payments where refused because of the type of account that was given and two accounts where open mistakenly with unauthorized=zed charges on that account. Since then the account was closed in good standing and I have a recording from a XXXX rep admitting there liability

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 2019-01-09 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-09 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation