vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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: AZ

Complaint narrative:
I bought a gift card from XXXX for XXXX $ and it had XXXX balance when I went to use it. It was very embarrassing. Usually you should be able to just cancel and get a refund but I have sent multiple emails and the phone number no one answers to. My email registered to the account is XXXX. I know its very little but I think they should be held accountable for their mishap. A response would have been suffice but its just bad customer care to ignore all my emails. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
After being denied Modification, I decided to do some investigation on my own. XXXX XXXX   states that they are not the owner as being claimed by Mr. Cooper/ Nationstar Mortgage. MY Forensic Document Examiner found several discrepancies and states in his preliminary report : " I have investigated the Trust as registered with the Security Exchange Commission ( SEC ) for the property 's loan number XXXX and zip code XXXX and found no match for either of those queries within the Trust. Recognizing that " XXXX '' stands for XXXX XXXX XXXX XXXX XXXX and the " XXXX '' stands for XXXX XXXX XXXX, I ran queries in all filings under XXXX for 2005 and discovered numerous zip code matches but no loan number matches. Further, I researched the MERS data base under both of the borrower 's names and SSN for MIN number XXXX and received a " No Match ' reply for the investor. Therefore, there is no evidence that this loan was secured under the alleged Trust or who the true beneficiary really is. '' After several written communication with XXXX XXXX, it is and has been unclear as to : i ) who is the current holder in due course and owner of the original mortgage note ; ii ) who is the current Trustee and how they became Trustee ; iii ) who is the current Beneficiary and how they became Beneficiary ; iv ) how the alleged loan was funded and by whom ; v ) whether money was laundered by the purported funders to fund terrorists activities ; vi ) where the funds to finance the alleged loan were obtained from ; vi ) who the funds to finance the alleged loan were obtained from. 

I am requesting that Mr. Cooper resolve this uncertainty and dispute by providing me with the following information with evidence that they have authority to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: HI

Complaint narrative:
I never received anything regarding my collection and I am seeing a coolection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
2016 was a hard year. My son, proudly serving his country in the XXXX, went through a painful divorce while stationed in Hawaii. Helping with the legal fees of a long, ugly custody battle as well as the enormous expense of flying to and from there and my home took every cent I had. Things took an even worse turn, when S

ocial Services seized his XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. At this point, I did what any mother and grandmother would do, and dropped everything and got on a plane. With my help, we regained custody. But at the end of this nightmare, my savings were gone, and Id worked one month out of the entire year. At the start I was working two jobs. Our family banded together to help care for the children, and even my ex-husband helped as best he could to keep me afloat. I had gotten a payment or two behind on my mortgage and we paid what was due. It is hard to bounce back all at once. Time passed, and as we all resettled back into our lives, I found myself somehow behind by three months. I thought I could pay it back like last time, but the loan had been accelerated. I pleaded with the bank to work with me. Mr. Cooper would be pleasant on the phone, but nothing would be resolved. The fees were still mounting. Someone in only five months, I owed a years worth of mortgage payments! Now I am back in XXXX XXXX, and back to working full-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have my minimum amount due set up on automatic bill pay. I have made no purchases on this card the last 3 months yet my minimum payment due fluctuates. I was charged a {$27.00} late fee for being short {$10.00} on my XXXX statement. 

XXXX min payment due XXXX XX/XX/279 XX/XX/276 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 explanation
Consumer complaint received 2018-02-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/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 2018-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Over thirty days has lapsed and I still have not received a written response to my debt validation request. I am trying to purchase home and my credit score dropped about 90 points as a result of this account being reported to my credit report. To date, I have yet to receive any kind of phone call or written notification regarding this supposed debt. I do know how or why someone can place something on your report without contacting you first. I have no knowledge of this debt or any monies owed to who they say i do. That is why I wanted them to validate the debt and they are not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: United Military Mortgage, LLC
State: TX

Complaint narrative:
How did they approve a loan for {$370.00} and the value is only XXXX. 

I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX. 
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

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 2018-02-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: MI

Complaint narrative:
This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

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 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: MD

Complaint narrative:
I HAVE TRIED TO CALL THIS COMPANY AND HAVE LEFT A FEW VOICEMAIL TO A XXXX XXXX ... Per my XXXX REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have a foreclosure sale date of XX/XX/2018. I had submitted my offer to the bank for a short sale. However, I submitted it to XXXX XXXX XXXX and they are no longer my mortgage company. I phoned Penny Mac Loans to try to get someone to postpone the foreclosure sale until they could review my current offer and the person that i spoke to was friendly but firm and stated that they will not be able to postpone the foreclosure sale but if i wanted to i could email over my documents to XXXX. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XXXX, XXXX, and XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I bought. XXXX bitcoin in XX/XX/XXXX and used coinbase as my wallet. InXX/XX/XXXX, I realized how much money that was and tried to log back in to sell part of my bitcoin. Unfortunately, the email that I used was one I had just lost access to earlier that month. I emailed coinbase support on XX/XX/XXXX after taking all of the steps necessary to regain access to my funds ( set up new account, verified identity, linked same bank account, etc ). On XX/XX/XXXX I got an generic automated email back that did not at all acknowledge that I had already specified it was a 'priority issue ' so I emailed them back all of my information again. On XX/XX/XXXX I received an email that they were working with a 'specialist ' to finalize the transfer and that they would follow up as soon as the transfer was complete or if they had any other questions. I emailed them on XX/XX/XXXX to check for an update because I still had no money. It is now XX/XX/XXXX and I have heard nothing and still have no access to my money. From the moment I contacted them 5 weeks ago, I have watched my money diminish. I feel like I'm being intentionally made to wait and wait until my bitcoin is worth a fraction of what it was when I first contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I've had an account for over 10 years and have recently started depositing checks directly at a branch via a teller, versus my usual method of depositing via a debit card at an ATM. Deposits via ATM have been credited immediately. However, the deposits made over the past few weeks have, for whatever reason, not been credited for several days, which has resulted in {$440.00} in recent overdraft fees. I called about this and other than offering to refund {$74.00}, the bank refused to refund any more of the fees, even after speaking with a manager ( and despite my lengthy history with them ). I feel this is unjust, as they have total control over MY funds and can siphon as they please, without my knowledge or consent, and I feel that other consumers should be made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery continues to report an old collection account that has already been deleted from XXXX  and XXXX  years ago. I have been fighting with them for years to delete it from my XXXX  report and they keep sending letters stating that it has been verified. I have submitted proof from my XXXX and XXXX reports that I have no collection accounts. XXXX is only showing one which is from Portfolio Recovery. 
I truly believe either XXXX or Portfolio is not investigating the collection account when I dispute because I have disputed numorus times the past two years and it shows last updated in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
OnXX/XX/XXXX my bill is due, XXXX XXXX est is the cutoff, They delayed logon until after XXXX XXXX est, after logging on, they made me enter personal information and account number. Then made me wait for a link sent by yahoo which took a few minutes. This is the only time they have forced subsequent 3 factor authentication. 

This seems to be a current process that card companies use when people are trying to pay close to cutoff.

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 monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX loan

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 2018-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Please refer to my complaint ( XXXX ) on XX/XX/2017 against XXXX XXXX. Spoke to XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX   CST. Have the entire recorded conversation and could share with you. 

Previous complaint XXXX My tenant sent me the rent via ACH using his XXXX XXXX account using XXXX. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX   checking account. But then XXXX asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. When i did that - i come to know that XXXX is only mobile based app - it's not something that can be done via computer browser ... it's strict no no for me. Worst thing - it cancelled my XXXX profile and cancelled my incoming transfer. Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform? 2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers? 3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. This is plain simple ridiculous. Customer service seems to be operating from XXXX and doesn't even know how to deal with customers in this kind of situation. They are taking customers for granted. 
============================================================= Till now this issue is going on. 
My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, XXXX XXXX and XXXX-XXXX is taking the accountability and responsibility ). 

I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. 
XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. 

Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. 
It's very dangerous and chaotic. 
Worst wait time on the support is too much ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System, a collections agency, has continued to contact me despite the fact that I am not past due on any debt assigned to them. I was incorrectly refered me to them about installment debt that was paid. I have informed IC System of this and demanded that they cease and desist all communications regarding this matter.

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