vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
On XX/XX/XXXX Winn Law Group send me a letter on behalf of XXXX XXXX XXXX saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
Hi, I purchased 3 gift cards ( BlackHawk Network ) from XXXX XXXX in XXXX, Ma totaling {$1500.00}. Within a few days, all three gift cards were used to make unauthorized purchases. I contacted Blackhawk Network in regards to getting a refund. I was informed to file a complaint and submit photo of the gift cards, receipt from the purchase of gift cards and a dispute form. This was done on XX/XX/2019. Since then, I called Balckhawk Network numerous time and was informed that they sent replacement cards. I still haven't received anything since. I been trying to resolve this issues for quite some time to no avail. Can you help me please. 

The case number for the dispute that was issued by BlackHawk Network is # XXXX Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX i worked with Flagstar bank and their closing attorney XXXX XXXX XXXX. part of my closing costs were to cover my school taxes in XXXX with a total of XXXX. I am just discovering now they were unpaid, since my escrow is once again short, the money is still sitting in a trust fund at XXXX XXXX XXXX. My Attorney ( XXXX XXXX ) got a hold of him and he said he would get a check out to me immediately that was on XX/XX/XXXX and i still have yet to receive a check. This is unacceptable as he has had my money for over two years. I contacted the bank since it is their attorney and they said there is nothing they can do. I also would like to add that none of my school taxes have been paid on time for the past two years causing my escrow to become substantially unbalanced and making my monthly payments fluctuate by several hundreds of dollars. In XXXX the XXXX tax was never paid, resulting in a relevey of XXXX the following year ( a fee of XXXX for being late ) in XXXX my school taxes were XXXX and those too were not paid on time resulting in a relevey in XXXX of XXXX ( a fee of XXXX for being late ). I also contacted my bank about getting this straightened out and they said if they dont receive a bill they dont pay it. this is not a very good practice, taxes are paid yearly, and as my mortgage lender they need to assume the responsibility of paying my taxes on time to avoid the fees. I am filing a complaint to get better results with this issue and to find out who will be paying the late fees since this shouldnt be my problem because it wasnt my mistake.

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 2019-10-02 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX send me a letter on behalf of Calvary SPV LL saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
received a letter from XXXX denying my increase request due to too many inquiries. to my knowledge i have 3 inquiries over a 2 YEAR period. i'm pretty sure thats NOT too many. so i try to get my report from equifax. i fill out all of their information, select the option for free report due to increase denial, submit and get the error i can not get my free report and i have to call equifax. this is a LOAD of XXXX. if the site doesnt work take it down. if i wanted to sit on the phone with their " customer service '' for an hour i would have done that to begin with. there was NO reason to deny my report request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian doesnt want to delete the XXXX XXXX account on my credit report. I was told by them that the information was verified with the original creditor and that is completely false because I contacted the original creditor myself and they arent reporting anything to Experian, the account was sold to a company called XXXX XXXX and I also contacted them and they sent me a letter saying the same thing, they are not reporting anything to Experian. I want Experian to tell me who did they verify the information with because I am sure it wasnt non of these creditors, XXXX  deleted the XXXX account without any problems, I told them what was going on and they deleted the account. I want this account deleted because it is not being reported accurately and there is no creditor reporting it. I would also like the phone number of the person that Experian contacted to verify the information and also the name of the person that they verified the information with.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
They have dragged the remodification process out for over XXXX   years. They was always a missing document or piece of information requested. By the time Id receive notice, other forms expire and wed have to start over. I was recently denied remod again due to paperwork. They have changed their phone system to where you need an extension to speak with someone to resolve this issue. I have no extension and can not move forward, the call drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
I was looking for a loan.I pulled my credit report and under loans that I pre qualify for is One Main Financial.I filled out info online and was approved.They called me and said I have to come in there office at XXXX XXXX XXXX, XXXX mi.,XXXX and to bring documents including Car title.After the loan officer ( XXXX XXXX ) took my info she said this loan is a unsecure loan but need a copy of title.ShXXXX took my title and never gave it back and told me that they will mail your title back to you.After signing, XXXX said this ia car loan.They lied to me.I never received my title to this day.The day I signed documents was a very hot day and the loan office air conditioning brokXXXX down and was rushed to get loan done.Just recently, I had someone look at this loan and was told, this loan is a very bad loan and its secured.This whole time I thought this loan was unsecured.And because this is a bad secured loan, My auto insurance rate has gone up.Therefore, this loan is very bad and should have read everything in detail and should of declined offer.Therefore, they lied to me to sell the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
I recently tried to apply for a new credit card through XXXX. Have had no issue getting credit cards in the past, or renting an apartment. 

I filled out my information on the XXXX  website, but then they said I had been denied. It had used " Sagestream LLC '' as their credit reporting company. 

It said the reason I had been denied, is because I was deceased. DECEASED. I am a XXXXyo XXXX   XXXX. I would like to know how I can find out if this is a case of identity theft or not, and for Sagestream to not be able to report information because it is clearly false. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA claims that I owe them {$54000.00} from a home equity line of credit I took out many years ago. The loan I believe was taken out in the XXXX 's. I got sick and lost my job, home, and all savings by the end of XXXX. I ended up homeless for 5 years. I got better and a new job in XX/XX/XXXX. I started saving money and paying off all my debts. I applied for a hardship package with USAA in XX/XX/XXXX. They reviewed it and demanded I pay the full balance by XXXX XX/XX/XXXX. I have made a counter offer and they did lower the demand to {$39000.00} good till XXXX XX/XX/XXXX. I am not able to pay that amount. All other collection agencies and banks settled with me for around 20 % to 45 % of the total since they already took a benefit on their tax returns. I can offer them $ XXXX but that will require me to get a big loan and go further in to debt. USAA can be contacted at XXXX or XXXX. I  have managed to pay off all my other outstanding debts by getting loans and savings. Can you help me get them to consider the $ XXXX offer? I have many family obligations and will need to get another loan to settle with USAA. Your assistance will be greatly appreciated. They should also give me more time to come up with the money or give me a payment plan. Telling me I need to pay the full amount by XXXX XX/XX/XXXX or XXXX XX/XX/XXXX is completely unrealistic and unfair. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX  XXXX. DPT EDXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Initiated a credit card application in late XXXX with Pentagon Federal Credit Union for a Platinum Rewards Visa Signature Card. While they reviewed my application, Penfed made two hard inquiries on my credit. After a week, I called Penfed on XXXX XXXX to inquire into the status of my application. When I was told that there was a hold on my application due to my status as a graduate student, I was told that my application would be reviewed by higher. Having already observed that Penfed made two hard inquiries, I explicitly acquiesced as long as they did not make a third hard inquiry. 

Despite my explicit guidance, I found that my credit had taken a third hit. Penfed has made no attempt to rectify their error.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
XX/XX/XXXX Purchased {$500.00} XXXX XXXX Visa gift card. 
XX/XX/XXXX Friday night first use of the card was denied at XXXX XXXX XXXX. 
XX/XX/XXXX Monday contacted Incomm. Found unauthorized use of card funds on XX/XX/XXXX at XXXX XXXX Pymt for {$480.00} and {$11.00} leaving a balance of {$.00}. 
The card has never been out of my posession and account numbers have never been given out. 
XX/XX/XXXX Received emailed dispute form from Incomm and immediately returned an email copy and also a faxed copy and a copy by US Mail. 
XX/XX/XXXX Five additional calls between XXXX and XXXX have failed to restore the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrectly reporting wrong information in my personal information like my name and addresses

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 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services
State: GA

Complaint narrative:
I graduated college in 1996. I have been paying on my loan since then but when I ask for back loan history of payments no one can provide me with this information. 
At graduation I owed XXXX. Its now 20 years later and I owe XXXX. How is this possible? I have paid off two cars and a house in this time frame. Every avenue I go down is a dead end of government XXXX. I know I have been paying on this loan b/c it comes out of my checking account automatically. 
I would like to know how I can see my entire loan payment history starting from 1996.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXXXXXX. DPT EDXXXX.

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 2019-10-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXX. DPT EDXXXX.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is only reporting one account on my credit report. I have contacted transunion by phone three times, in writing and submitted a complaint through this website as well. Still nothing has changed on my credit report.

Below is a list of accounts along with there status that are not reporting on my Transunion report but is reporting with XXXX  and XXXX. 

XXXX XXXX XXXX XXXX - Closed and Current XXXX XXXX XXXX - Closed and Current XXXX - Open and Current XXXX - Open and Current XXXX  XXXX - Open and Current XXXX - XXXX - Closed and Current

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