vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2017, First Advantage sent a report via US MAIL containing a copy of the consumer background screening. The background screening was requested by a potential employer in which I applied and the annual salary for the employer less than XXXX. The background screening contained information that placed First Advantage in direct violation of the Texas Business & Commerce Code Sec. 20.05. http : //www.statutes.legis.state.tx.us/XXXX The Texas State Law states that consumer reporting agencies can not report information predating seven years of the report date. This report sent to me violated this code. I reached out to the company and filed a dispute. I have received no resolution as of yet. I have attached a copy of the Texas State code containing information regarding consumer reports. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; or ( 5 ) another item or event that predates the consumer report by more than seven years.

( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Ongoing issues with Bluebird American Express where everytime you have a refund come back from a retailor the transaction is held for several days under merchant credit review. I had a refund from a merchant who physically swipped my card to issue refund around XXXX. On XXXX it was placed on merchant credit review. Today on XXXX i call for an explanation and i get told its for security reasons they hold the refund and that they review the transaction. Magically it will be released tomorrow XXXX. XXXX business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I can not LOCK or UNLOCK my credit history on Equifax 's so called TRUSTEDID XXXX website as they advertise. When I called for customer support I reached people in the XXXX who transfered me no less than XXXX times. I could not get a straight answer out of any of them. This whole situation is totally ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX IN XXXX ALIKE THE PERSON I GET CALLS FROM FIRST NAME BASES ONLY HER NAME IS XXXX THEY CALLED ME AT WORK MULTIPLE TIMES I ASKED THEM NOT TO CALL ME AND WORK AND THEY CONTINUE. THEY ALSO SAME DAY THEYOU CALL ME AT WORK AND THAN CALL ME ON MY CELL PHONE 3 TO 4 TIMES A DAY. I SENT A LETTER TO THEM FOR THEM NOT TO CONTACT, EMAIL AT MY JOB AND ON MY PHONE AND THEY CONTINUE TO DO SO. TODAY XXXX/XXXX/XXXX I TALK TO XXXX SHE SAID SHE IS A DEBT COLLECTOR AND THAT SHE CAN call ME 6 TIMES IN ONE DAY AND THAT IT 'S THE LAW. And that she has been a debt collector for 20 years. I told XXXX THAT CALL ME 6 TIMES A DAY IS HARASSMENT. SHE SAID IT 'S NOT AND THAT SHE WILL CONTINUE TO CALL AS SHE PLEASES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX a company called XXXX XXXX had pulled my credit thru major banking institution without my permission. When alerted by credit karma and life lock on the XXXX, I immediately approach the dealer to investigate and feed my question. I was told after speaking with sellers that a young man came in by the name of XXXX and said he wanted to finance a XXXX car by infinity. My name is XXXX. So they said the young man told them that his so called father was away in Texas and then proceeded to put this person on the phone. They said the person said they were me and gave my social and that was enough for them to pull my credit XXXX different times. No i.d in front of them with the person there and they said it gave them enough to pull the credit

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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The company by the name of DEPT OF EDUCATION/NELNET is reporting on my credit report. These loans where sold to a company by the name of XXXX. NELNET is also reporting late fees on my report which has been consolidated. All of the NELNET accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.

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 2017-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX To Whom it Concerns, Regarding : Card Benefit Services, Bank of America Benefit Claim number XXXX Incident Date : XX/XX/XXXX My appeal on an insurance claim on a car rental was recently denied. 

Due to an error on the part of XXXX XXXX XXXX, my claim under the Collision Damage Waiver Benefit was  previously denied. The error has since been corrected and I was therefore able to appeal. 

In short, I was denied in the first place because the credit card insurance only covers rentals 15 days or less. XXXX was instructed by me on several occasions to cancel my first car rental contract of the XXXX XXXX on XX/XX/XXXX ; Rental Agreement XXXX ( Exhibit A ) and open a new car rental contract for the XXXX  ; Rental Agreement XXXX ( Exhibit B ) beginning XX/XX/XXXX through XX/XX/XXXX. Their error in neglecting to do as agreed ( Exhibit C ), thereby lumping these two car rentals into one rental contract which you previously received ( Exhibit D ), made it appear there was only one car rental contract, for over 15 days. 

After a very arduous process on my part of explaining the error and providing evidence to support my claim of error on their part, XXXX has acknowleged their error and corrected the contractual errors and provided me with ammended contracts ( exhibits A & B ) which demonstrates my / their intent to rent the vehicle for only 15 days. 

If you would like to read further supporting documents to shed light on the extenuating circumstances of this process, please see the letter I wrote to XXXX requesting they correct their contractual error ( Exhiibit E ) and circumstances which caused the delay in my closing the first contract due to fraudulent activity on my ( only ) major credit card and my attempts at getting a replacement ( Exhibit F ). 

I hope you will see clearly that I am in fact due to have this appeal granted and payment processed on my claim. 

Please call or email if you need anything further from me. 

Best, XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I received my monthly mortgage billing statement with the amount due of {$910.00} by XX/XX/XXXX. I paid {$450.00} onXX/XX/XXXX. I called the customer service number XX/XX/XXXX to pay over the phone for another payment to meet the billing statement total amount due. The customer service rep told me that I can no longer pay monthly payments, instead I had to pay the loan in full, which is around {$1700.00}. She stated I also ca n't pay with anything other than certified funds. 

The Mr. Cooper team member advised me that my maturity date has passed as of XX/XX/XXXX. I asked her when I had missed a payment, or had a deferment, to cause me to still owe if my maturity date had passed. At this point, I gave permission to for my son to speak to the team member because I did n't quite understand what was going on. 

My son asked for the specific dates that caused my loan to pass maturity with a balance owed still. The team member was unable to tell me and said " we show you have never missed a payment, but our transaction history only goes back so far. 

At this point, I feel like I am being threatened and forced into foreclosure, as the company will not allow me to pay my monthly payment amounts, instead trying to force me to pay one large payment that I do n't have. My son states that I should n't owe anything anyway, because I have never missed a payment so my loan should be at a {$0.00} balance as of XX/XX/XXXX. My husband is on XXXX and I am a retired XXXX. I feel like this company is trying to take my home when I am trying to continue to pay! Plus, now I think they are trying to make me pay something that I do n't even owe! 

If the team member was unable to tell me why my maturity date has passed and I still have a balance, I think my lien should be released and my loan be XXXX balanced. There has obviously been an error. 

Also, it is very deceptive to not inform me that my maturity date is about to pass and that I would have to come up with a large payment. The billing statement did not warn me, nor did I receive any letter letting me know this was going to happen. It is unfair and deceptive!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Someone had fraudulently opened a personal loan in my name at XXXX XXXX, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX, XXXX and Equifax. XXXX XXXX had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a  recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from XXXX XXXX. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: OR

Complaint narrative:
Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Pay Pal credit sent me a letter in the mail with the charges and amounts owed stating that I still owe the debt and it was already paid according to the letter they sent me. There are class action lawsuits being filed against them for tricking customers stating that they owe charges when it 's Pay Pal that is extorting fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XXXX XXXX, XXXX at XXXX XXXX Portfolio Recovery called my wife and I at home in attempt to try to make contact regarding a debt. The problem is our number is listed on the Do Not Call Registry. They  were calling late, while we are in bed trying to get our rest. We have had this happen several times before and are getting tired of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there 21 accounts they are reporting to my credit.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company by the name of XXXX XXXX XXXX/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XX/XX/XXXX and open since XX/XX/XXXX there 21 accounts they are reporting to my credit.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion and XXXX continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.

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 2017-10-11 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: MD

Complaint narrative:
On XXXX XXXX, 2017, I ordered three {$500.00} XXXX gift cards from XXXX ( i.e. from the " Blackhawk Network '' ). The cards never arrived at my home. When I followed up on XX/XX/XXXX, I learned that the cards had already been used, so, presumably stolen while in the mail to me and used by the thief. One card had one fraudulent transaction in the amount of {$490.00} ; another had six fraudulent transactions totaling {$490.00} ; and the third had three fraudulent transactions totaling {$91.00}. 

The remaining funds on the cards were then blocked. I was instructed that a " dispute form '' would be mailed to me, which I received in late XXXX, completed, and returned via email ( to the address XXXXXXXXXXXX ) on XX/XX/XXXX 

I received no confirmation that my dispute forms had been received, so I followed up in XXXX and confirmed with the company that the disputes were in progress. 

Today (XX/XX/XXXX ), I received three letters from the Blackhawk Network, each dated XX/XX/XXXX, demanding additional supporting information that it is not possible for me to provide. For instance they request " a copy of the front / back of the gift card '', which of course I can not provide since the gift cards never reached me. The letter also asks for another copy of the dispute form that I already provided, and threatens to close the dispute if I do not respond within 10 business days of the date of the letter [ i.e. two days from now ]. 

I intend to respond immediately as best I can, but in order to protect myself -- and due to the exceedingly slow response time by the company [ I have been without more than {$1000.00} for nearly two months ] -- I am now also filing this CFPB complaint. 

In the " account number '' section I will list just one of the three relevant card numbers, but I intend for this complaint to cover all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE collection is reporting an amount of {$200.00} for XXXX XXXX XXXX which is now XXXX. This is false! I paid the {$200.00} to XXXX XXXX last year in XXXX or XXXX to restore my services of which I have cable services with to date. I spoke with XXXX XXXX at XXXX if payment and requested they remove debt the representative called their collections department and assured me it will be taken care of. I called a representative yesterday and explain this and request they take care of ASAP he advised me to call I requested XXXX XXXX call and confirm debt is paid because they are the XXXX that can verify that. Rep stated they will contract CBE and follow up with me. Im not confident this will happen because I was assured it would be taken care of last year.

Company response to consumer: Closed with explanation