vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I purchased gift cards called " XXXX & XXXX ''. One was purchased at XXXX XXXX on XX/XX/XXXX The other at XXXX on12/18/2021. Each card had {$25.00} on it. The website on the back o the cards is XXXX but this is the corporation : Blackhawk Network California , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX On XX/XX/XXXX I tried to use the cards at XXXX XXXX XXXX in XXXX CO and both cards were declined. The next morning, I went to the website to check the balance and the link for the balance check did not work. I tried XXXX different computers. So I then called the number on the card. First I verified that there was {$25.00} on each card which there was. Then I spoke to a customer service agent. I recorded the call, as they disclose that calls may be recorded. They looked up the card and saw the declined transaction. The agent said it was declined because the purchase was greater than the amount on the card. I replied that every gift card I have ever used, ( whether it was purchased or given as a store credit ) will apply the amount of the gift card and then if there is still a balance, have that paid by another form of payment. She informed me that these have to be run like credit cards and that it does not permit you to " split the payment ''. I replied so I have to spend exactly {$25.00} to use this card or spend less and then leave money on the card that I will not be able to get off of the card unless I then spend that exact amount? She said yes. I stated that credit cards do not work that way. I own a business, I take credit cards and I can apply an amount to a card and then get a separate form of payment. She again said that the cards do not allow to " split the payment '' I replied then don't tell me it works like a credit card because you can split a payment with a credit card. I then asked her to tell me where it disclosed to consumers either on the gift card jacket or on the website that payments can not be split and that it has to be used for the exact amount or under the value of the card. She states that is says it has to be run like a credit card. I repeated my questions because that was not an answer. She did not have an answer. I asked her if she realized that these cards do not work like a gift card or a credit card and people can not get their money off of it in the way that is implied by calling it a " gift card ''. I asked her if she realized that this is a nationwide problem with people using these cards and she got very quiet and said yes. I then thanked her for her time and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: MO

Complaint narrative:
I have contact Transunion multiple times for trying to dispute information. It said I could complete the dispute for free ; however, Transunion keeps making me trying to pay. 

XXXX XXXX XXXX has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with Fraud ATT Packet and police report. Initially, the company removed from credit report and the placed it back 2 months later

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 2022-01-09 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: IL

Complaint narrative:
XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX  that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling mr their product so this remains inaccurate

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 2022-01-09 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: IL

Complaint narrative:
XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX  that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling mr their product so this remains inaccurate

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 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I had applied for a refinance through the national Mortgage company named " Better Mortgage '' in XXXX of 2021. 

Everything was moving smoothly and I since my wife and I are self-employed and shelter most of our income we knew we may run into issues down the line with income requirements. I disclosed all this up-front with the understanding that we don't waste time going back and forth if this was already know and they understood and GUARANTEED a refund of the required appraisal in the case the loan did not go through. 

The appraisal was performed despite the loan being denied about a month later. 

I reached out mulitple times to their staff to ask that the refund of the appraisal costs be processed only to be ignored. One representative mentioned he would reach out to the refund department but then went cold since and the email is no longer responsive ( maybe that rep is no longer employed there ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: VA

Complaint narrative:
Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, XXXX and Transunion to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # 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 2022-01-09 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 — Their investigation did not fix an error on your report
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IN

Complaint narrative:
This is the continuation of complaints filed against XXXX about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called Heartland ECSI with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding XXXX party contract with me? I want to verify that there is no debt parking on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: IL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : 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 2022-01-09 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: NC

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to XXXX, XXXX, and Transunion credit bureaus and I have not received responses. None of the bureaus are following the laws to respond to me within the allowable timeframes. It has been over the 45 days since I sent my letters was supposed to received their investigation responses by now. This is causing me financial distress and keeping me from qualifying for a mortgage. I am deeply disappointed with the inconsistencies and plain incorrect information reflected and do not understand why it is taking so long for them to address. I demand that they immediately remove these accounts from my credit reports.

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 2022-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
On XX/XX/2021 I was informed that a credit was opened in my name the listing read XXXX XXXX on my credit report, I contacted the company and was informed it was a credit card issued in my name for {$6000.00}. I informed the company my identity was stolen and that I had no knowledge of the credit acquired in this store at all nor did anyone have access to get said credit in my name. It is now under investigation and I hope it can be resolved as I have now had to place a fraud report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased my townhouse on XX/XX/XXXX with a mortgage loan from Wells Fargo Home Mortgage ( XXXX ), and I was fully satisfied with the terms and conditions, as I was when I refinanced the mortgage on XX/XX/XXXX. However, when I applied to refinance the mortgage in XXXX, a Wells Fargo Home Mortgage representative said that in addition to my master insurance coverage with XXXX XXXX XXXX XXXX provided through the XXXX XXXX XXXX that runs my property and that provided my master insurance since XXXX, I needed to buy an additional insurance to cover my personal belongings. Wells Fargo Home Mortgage can not possibly know the value of my personal belongings and, in my opinion, that is none of their business. From XXXX to XXXX Wells Fargo Home Mortgage did not need to insure my old sofa and a TV set, but when I objected to buying an insurance in addition to my master insurance, I was told that I would not be able to refinance, so I had to agree to buy a policy from Travelers ( XXXX ). A few days later I called Wells Fargo Home Mortgage and asked to speak with a manager, but the person I talked with said there was nothing that could be done. Since XXXX XXXX, I have been paying {$280.00} per year for the insurance I do not need, which comes to {$1400.00}. 
A few days ago, a friend told me about your organization, of which I have not heard before, and I respectfully request that you help me to refund {$1400.00} that I was forced to pay against my will. Since XXXX I never once had a late payment ( monthly payments are automatically withdrawn from my checking account ), both my wife and I ( we own the house jointly ) have been fully employed as university professors, and I think that Wells Fargo Home Mortgage had no reason whatsoever to inflict a force-placed insurance on us in addition to my master insurance.

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 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I am a full-time rv'er and go from camp ground to campground every six monthes so i was never notified by collection agency of said debt or original owed. Now that it was in collection i have paid since and feel it should be removed from credit report for i had no knowledge of said debt.

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 2022-01-09 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: Possible Financial Inc
State: TX

Complaint narrative:
Possible finance does not have a phone number to contact. When you call the number listed it says this number is not working. I have tried contacting them via email as it says contact us on the site. They dont respond. In fact Ive emailed them XXXX times now. Last message the lady stated she could update my bank account because their system will not allow me. She updated the account and still didnt let me submit a payment. They havent responded again even though Ive shown the error and asked them to submit full pay off through the new account listed. Everytime I submit a new contact request the same lady grabs it and closes it. Now they fraudulently repost two late payments on my credit yet their system wont allow me to submit a payment and they dont respond! Instead they advised me they can report it late and block me from making a payment further damaging my credit this is abuse. They dont allow payment submission purposely and their agent wont respond and wont allow me to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: OH

Complaint narrative:
On XX/XX/XXXX, I read my consumer report from Equifax, and there was a XXXX on my consumer report. On the report, it states, " the account was open in XX/XX/XXXX the credit limit was {$5300.00}, and the last payment was on XX/XX/XXXX ). In addition on the report, it has an incorrect account number, and the phone number ( XXXX ) is from the XXXX XXXX XXXX ) and the address of XXXXXXXX XXXX is erroneous as well. 

On the same day, I contacted XXXX XXXX to investigate the alleged debt. The customer service rep has informed me that the account was closed on XXXX. I wrote a dispute letter to Equifax to confirm the account was closed due to the statute of limitation in Ohio has passed. The account needs to be removed from my consumer report. I wanted additional information to verify if XXXX had a signed contract with me to furnish any information regarding my Consumer Report of this account. " According to US 6802 ( Obligations with respect to disclosures of personal information ) financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ''. 

The dispute letter came back within 30 days, but Equifax sent another consumer report from XXXX XXXX. Above the report, it stated, " the dispute has been verified as accurate, and the account has not been closed. On XXXX, XXXX XXXX, I called Equifax ( Dispute Division ) and spoke with XXXX. I called to acquire how the account is open when I talked to XXXX XXXX, and they confirmed the account was closed, and I asked him where the document shows XXXX 's has the right to furnish information to my consumer report. According to XXXX, XXXXXXXX XXXX does not need to provide this type of information but requested me to call XXXX XXXX. On the same day, I contacted XXXXXXXX XXXX and spoke with XXXX, and XXXX confirmed that the account was closed and the account number listed was incorrect. Per XXXXXXXX XXXX, there was no line of communication regarding the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: IL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: IL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : 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 2022-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Amazon has refunded several items to gift cards even though I requested that the refunds goto my store card. I was told that this could not be fixed and its a glitch in the system. Why does Amazon have no control over the Amazon store card?

Also, I returned another item today that was missing the item/it came as an empty box. 
It was bought with one of the " gift cards '' from a prior return, they again refused to refund the amount to my Store card. 
What game is Amazon playing? This forces you to buy again from Amazon. 
My intention is to buy very little from them as its often a disaster for a variety of reasons. 
I am very upset that the credits did not go back to my Store card as requested when I returned items. 
You have the option for your credit to go back to the original payment method, that did not happen. 
Its not my problem that Amazon has a glitch.

Also, I am paying interest on prior purchases as the gift card does not pay for interest.

Not okay! And no compensation was offered.

We will pay these items off and goodbye Amazon. We stopped using them for a while, it was a mistake to go back. Its worse than before, and customer service is not kind. 
Half the time I can not understand what they are saying. They need to hire people who speak clear english.

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