vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX and XXXX. I have been a satisfied customer of Capital One since XX/XX/XXXX. 

Your outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards in the year of XX/XX/XXXX when I lost my employment, and I was over a month late with a payment. 

Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with payments since getting caught up. 

As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I closed my checking account on or about XX/XX/2018. My XXXX pension check was sent to the bank ( direct deposit ) and received XX/XX/XXXX. Instead of sending the check to me at my home address, the bank ( having rejected it ) sent it back to XXXX, which then sent it ( hopefully -- it hasn't arrived ) to me. 
This roundabout way of fund transfer is unacceptable. Why must I ( a XXXX citizen on a fixed income ) be forced to wait extra time for a check -- especially a fairly large one? This policy is discriminatory and must be changed. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: DE

Complaint narrative:
We are trying to buy a home and when pulling our credit report it is showing AR Resources , Inc 9 times with Medical Health Bills. It is from XXXX XXXX when my husband was in last year. The amounts range from {$61.00} to {$560.00} Totally just over {$3000.00}. They each have different account numbers. My lender told me to pay the smallest ones and work my way up and they would come off as I pay them. And our score would improve each time. I paid 2 payments and they did not drop off. When I called I was told they could not take those two payments off of the credit report until it was all paid in full. I asked why they did not have it as one account then and one payment. He said that is how it was sent to them. So I asked again then why when I pay off one acct payment why that one still shows up when it has been paid. They are taking my payments and spreading them though the whole amount and not paying off each account separately. I have called our insurance company XXXX and they said they did not understand why it was that way on our credit either because it should been one lump amount not several small amounts. They are not even sure if those bills were ever sent to them for review before they were sent to a collection agency. When I had them check the amounts to what they were billed they do not see these amounts. I have also asked the AR Resources if we can settle for a lesser amount to get it all off of our credit and they have told me no. They can not. It needs to be paid in full. Which now we owe {$2900.00}. I aIso have a bill from the hospital which shows some of these same amounts saying we were uninsured. Which is not the case. So thinking some of these were never sent though the insurance. I have asked for an explanation of the bills that were sent so that I can check the dates that were billed, they said they will be sent but could take up to 30 days. There are also duplicate amounts on there that seem to be the same. I have called the Insurance commission but since it is not an insurance problem more of a collections agency problem they gave me this email to file a complaint and said you may be able to help me with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: LEXISNEXIS
State: MS

Complaint narrative:
LEXIS NEXIS continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and Lexis Nexis responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. Lexis Nexis has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: OH

Complaint narrative:
In XX/XX/XXXX I reviewed my credit report with FICO.On there I notice an reinserted item that was previously deleted on credit report in XX/XX/XXXX.in accordance with the requirement of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days and this never happened. ( B ) Requirement relating to reinsertion of previous DELETED material. ( ii ) NOTICE TO CONSUMER.If any information that has been DELETED from the consumer 's file, the consumer reporting agency shall notify the consumer of the reinserted in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any means available to the agency. I received no Notice of this reinsertion and this is a very serious violation of FCRA. I sent Equifax a letter on XX/XX/XXXX certified on XX/XX/XXXX to inform them of this reinserted item on my credit report that was DELETED and has now been put back on my report without notification of these action within 5 business days.Credit confirmation # XXXX dated XX/XX/XXXX will show remarks that XXXX XXXX # XXXX is not reporting on credit report, confirmation # XXXX dated XX/XX/XXXX will also show remarks that XXXX XXXX s & XXXX are currently not also reporting on credit report. HERE IS A LIST OF CREDIT REPORT ALSO NOT EVEN REPORTING ON CREDIT REPORT # XXXX= XX/XX/XXXX, # XXXX =XX/XX/XXXX, # XXXX= XX/XX/XXXX, #  XXXX=XX/XX/XXXX, # XXXX= XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX. I received a letter back from Equifax on XX/XX/XXXX stating everything is accurate and verified and there has been updates never addressing the real issue THE REINSTATE WITHOUT NOTICE THAN THEY GOING TO SAY THE ACCOUNT HAS BEEN UPDATED HOW CAN YOU CHANGE AND ACCOUNT # ON AN ITEM THAT WAS # 1 REMOVED OFF CREDIT REPORT BUT UNTIL I SENT IN LETTER THE ACCOUNT NUMBER WAS THE SAME AS THE ONE REMOVED NOW IT HAS CHANGED COPIES ARE ENCLOSED WITH THE ACCT NUMBER THAT WAS REMOVED NOW ACCT # CHANGED. THEY HAVE VIOLATED THE LAW AND IT NEEDS TO BE REMOVE AND NOT PUT BACK WITH NEW ACCOUNT # LOOK AT ALL REPORT AND IT WILL CONFIRM THIS ITEM WAS NOT REPORTING UNTIL ILLEGAL REINSERTATION IN XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: PA

Complaint narrative:
I am filing a complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It is way past the 30 day mark and if they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible. Greatly appreciated. Thank You

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 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sunset Management, Inc
State: GA

Complaint narrative:
The company is sunset Finance company located in XXXX Georgia a lady named XXXX that works there has repeatedly called my job I work on the XXXX installation and I have let them know that I can not receive personal calls on that line they've called my manager several times after I've asked them not to. My manager will give a statement supporting This complaint. I fell behind in my payments I offered to make a small payment she refused to accept anything less then what was Their minimum payment. So this morning XX/XX/2018 at XXXX XXXXXXXX a sunset finance Employee by the name of XXXX XXXX my doorbell unaware that my doorbell was recording because I have the ring security system he Came to demand payment at my residents I live in a gated community he went to the rental office Falsely identified his self in order to Gain access through the gate. He had no court order he had no officer with him And the recording shows me speaking with XXXX on the phone with XXXX there and her refusing payment also refusing payment over the phone due to the amount she feels as though i should have to give. other what i can actually afford. I am a single mother this company had absolutely no right to send some strange man to my house regardless Of the Debt I owe to this company The conversation in the hallway Lead to my privacy being violated this company should not be allowed to do this to people It was a personal loan he is not a repo man there is nothing for him to repossess any collateral I may have put down on that paper for the loan would have to come with the court order in which he did not possess. And I will be taking a restraining order out on XXXX and sunset finance company. If a company refuses any payment on a debt Then I no longer owe a debt. i was late for work and to be honest now days with things the way they are strange men should not be popping up unannounced at anyone 's home. This to is a problem.

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 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Over the last few years Navient has added tens of thousands of dollars in fees to my student loan and repeatedly refuse to provide me with an accounting of said fees. As well, they recently erroneously reported to the credit bureaus that I ADDED to the balance of the loan despite the fact that I have not missed a payment and that it is currently deferred until XX/XX/XXXX. They refuse to discuss my balance or the fees and refuse to prove to me where they came from. In addition they have refused to work with me at all on the balance or extra fees even going as far as to refuse a larger monthly payment at one point saying that the loan had to be repaid by the schedule agreed upon. They have no proof I agreed to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
When all notes of a chapter XXXX were removed ( including the public record. ). Santander cont to report that I have a recent delingeincy. What Santander is reporting the the final payment from the chapter XXXX trustee. They are reporting the payment as my last payment prior to delinquency. My last payment prior to delinquency was XX/XX/XXXX. This inancuarte reporting tells creditors that I have a recent delinquency that is unresolved. This is not the case. My chapter XXXX was paid in full never missed a payment. No other creditor is reporting it this way. I have called Santander twice and sent A returned receipt request and 1st class mail outlining the relevant dates but nothing on all three credit reporting agencies have changed their erroneous reporting. I have all pertinent legal documents justifying the points made here today and they can be furnished upon request. All creditors final balances are paid back in XX/XX/XXXX or XX/XX/XXXX of XX/XX/XXXX. The last delinquency on all accounts were XX/XX/XXXX. I think its about time to let me off the hook on the account. Its the only one holdimg me back from rebuilding my credit. Could you please help me in getting Santander/XXXX/XXXX card services to report accurately. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: GA

Complaint narrative:
I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with Experian on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX : Credit Card Fraud To Whom It May Concern : I am writing this letter to file a complaint against Capital One. On XX/XX/2018, two fraudulent charges were placed on my account in the amounts of {$2900.00} and {$32.00} from a company called XXXX. I did not authorize any such charges, thus subsequently contacted the company to dispute both transactions. I sent them a copy of my drivers license to show proof of my signature as well a copy of the police report I filed, however they refuse to issue a credit. 

Enclosed you will find copies of relevant documents, including letters from Capital One, my letter of complaint to Capital One, and the police report I filed. I respectfully request that you intervene on my behalf since this company is violating their {$0.00} fraud liability promise and will not refund me my money. 

If you have any questions about my complaint, you may contact me at ( XXXX ) XXXX or via email at XXXX. If we can not resolve this issue, my final option will be to pursue legal action. 

Sincerely, XXXX XXXX XXXX cc : Attorney General Better Business Bureau XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: MS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.

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 2018-11-07 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: MS

Complaint narrative:
XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.

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 2018-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
Per my last complaint. This account has been in dispute with Hunter Warfield since XX/XX/2018. A certified dispute was mailed to the collection company multiple times requesting an itemized report of the alleged amounts owed and why. A copy of the lease has been received from Hunter Warfield, but this company has failed to comply by my request of an ITEMIZED report of WHAT is owed and WHY. A copy of the lease does not fulfil the request of an itemized report of the amounts owed and why. I have request this information because I was NOT evicted from this property. I do not feel that I am obligated to any amounts owed. Hunter Warfield has had over 120 days to provide proper verification of the amounts owed via the multiple disputes received regarding this account. Based on my last complaint, Complaint # XXXX-XXXX, a representative from Hunter Warfield was able to confirm that they have indeed received my request for verification of the amounts owed. They have not provided proper verification of the amounts owed. By law Hunter Warfield is obligated to provide the requested information within 30 days of the initial dispute. They are now breaking the law by keeping this inaccuracy on my credit report without providing me with the requested documentation. I do plan to use my rights under FCRA, to sue for deformation of character. Again, this is against the law. Attached is another copy of the notarized Dismissal from XXXX County Court house. Please DELETE this account. Balance owed is {$0.00}. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Being a Capital One customer for over 9 years, I decided to take advantage of an upgrade to my account that was advertised as 1.5 % Cash Back, NO Annual Fee and {$150.00} cash bonus after a certain amount of purchases. 

When attempting to execute the offer, they would only upgrade me to the 1.5 % cash back but would not give me the other benefits. 

After debating with the XXXX XXXX, I was offered the No Annual Fee, but not the Cash back. 

When I decided to accept that offer, ( which I have saved on Chat with Service ) the asked me to disregard the offer and required an Annual Fee. 

Capital One is misleading, untrustworthy and disloyal. The also showed complete disregard for any issue that would create a negative effect on my credit should I cancel the card.

Company response to consumer: Closed with monetary relief