vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 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: LA

Complaint narrative:
I have been having issues with Identity theft for some time now and have fraud accounts and inquires show on my Experian report. I have sent in supporting documents as well as police reports and ID THEFT Affadvits in support of this matter. The following is the result of this on going ID THEFT. They please need to be blocked and or removed ASAP Thank You Report Number : XXXX 1.XXXX XXXX XXXX Inquired on XX/XX/2018 2.XXXX XXXX Inquired on XX/XX/2018 3.XXXX XXXX Inquired on XX/XX/2018 4.XXXX XXXX Inquired on XX/XX/2018 5.XXXX XXXX Inquired on XX/XX/2018 6.XXXX XXXX Inquired on XX/XX/2018 7.XXXX XXXX Inquired on XX/XX/2018

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 2018-11-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX. 2018, I realized I lost my CapitalOne Quicksilver credit card while in XXXX, XXXX. I reported the loss to CapitalOne. On XX/XX/XXXX, fraudulent charges ( 10 amounting to {$350.00} ) appeared on my online statement. I reported this to CapitalOne, which subsequently credited back {$430.00}. ( I called back to report discrepancy, but I was told it will be reconciled after investigation ). On XX/XX/2018, I got a call from CapitalOne informing me the case was resolved and no further action is needed from me. However I found out that the same 10 fraudulent items totaling {$350.00} reappeared as XX/XX/2018 entries plus {$6.00} as interest charge. I made several calls to CapitalOne between XX/XX/XXXX and XXXX to resolve issue. Each time I called, a different representative answered and asked the same questions. In short, I am given the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX- XXXX, XXXX & XX/XX/XXXX XXXX & XXXX XXXX & XX/XX/XXXX XXXX. I spoke with them twice today once to inform them my intent to pay on a later date they stated they need a promises to pay however due to the way I get paid I can't do that but will pay when I getting paid. They called my home again at XXXX pm today and informed that I already spoke to an agent about the payment and could not make payment today and I will call to make payment and informed them to stop calling my home or I would report them to your agency

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 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Last year I was over seas and thought my payment were on ACH while I was XXXX. Came back to find out payments had not gone through and now there are late payments on my credit report that is not allowing me to close on a new home. We have already paid this home off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: CA

Complaint narrative:
On my EQUIFAX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
On XX/XX/2018, I received a letter dated XX/XX/2018, alerting me that I owed a debt to " XXXX XXXX XXXX XXXX XXXX. ", a company I had never heard of before. At the top of the page was an original creditor and debt description, for an old XXXX account that had been paid in full at least a month ago- long enough for my XXXX report to mark it as paid. This debt collection agency, Dynamic Recovery Solutions, sent me this collection notice with nothing but a XXXX XXXX address on the outside of the letter, and a XXXX XXXX address in the letter. I worry it may actually be fraudulent. This debt was settled, paid in full, to the original creditor directly. I should not still be receiving debt collection notices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have received calls from many different agencies regarding a debt to JCPenny, and a previous complaint was filed regarding this back in XXXX ( XXXX-XXXX, XXXX-XXXX ). Family members and I began receiving calls again last week, including one on  XX/XX/XXXX from XXXX that stated there were two pending charges. When I called back, I was told this was from the JCPenny account that was already paid, and when I told them it had already been paid, and I have a letter stating such, they said that if I was refusing to pay them, it would go to court. I told them I desired to take this to court, so we could get it dismissed for good.

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SecurityNational Mortgage Company
State: GA

Complaint narrative:
Security National Mortgage Company personnel were not honest throughout my process. I am in the process of seeking another lender because they decided to disqualify my loan due to paperwork from my student loan not stating what they desired. 

In the process, I purchased an appraisal and requested that I receive a copy of it. They keep stating it is in review after the appraiser completed it over a week ago. There should not be a review if the loan is already disqualified. 

I would love to completely cut ties by receiving the appraisal I specifically paid for and move on with my life. I also feel that others should be warned of this company and its personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have notice discover was reporting an fraudulent account in 2017 so while XXXX i been working on removal. discover removed account then all of a sudden they keep changing account number i contact XXXX they stated the open dates all was the same but close dated was different i have paperwork from discover stating removal and accounts all of them was fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank sent me a mail offer regarding opening a checking account and if I fulfilled certain conditions I would receive {$700.00}. As Ive previously complained about citi bank not honoring a previous offer I went to the XXXX branch and spoke to a staff member XXXX XXXX who stated that the only conditions listed on the flier were to spend a certain amount of money and to have a Qualifying bill paid from my account for 2 months. 
She checked the flier twice and confirmed that there were no other conditions listed. I read the flier 3 times including the small print of which there was a lot and then called the number on the flier before I opened an account online. 
I spoke to XXXX who told me that I had to have {$200000.00} in my account to qualify for the {$700.00} and lesser sums for the other amounts/rewards. He could not explain why the flier did not list the criteria but apologized and agreed to have my name removed again from their mailing list. This kind of false advertising is not allowed in other countries why then does citi bank keep being allowed to send out misleading offers for new accounts and sometimes credit cards.

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 2018-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
XXXX XXXX and I agreed for me to make 9 payments to payoff the loan and my title would be returned. I called XXXX XXXX XXXX XX/XX/18 stating I would be paying the loan off but would like my title to be available at that time. XXXX told me the title was in a location here in XXXX so it would take 3 days to get to them. A representative from phone XXXX called to tell me the title was mailed to the location on XX/XX/18. On this phone call the representative says the Title takes 7 days to get to the location instead of 3 days. This has been more frustrating and confusing getting my Title than XXXX XXXX sending it to the DMV. I assume the Attorney agreed because she did not call to let me know. I wanted to make one trip to payoff and get title. I started calling the XXXX XXXX location on XX/XX/18 - XX/XX/18 to check if title had arrived so I could take care of everything. I received several time frames and contradictory answers for the store. Since I felt the location was holding the title until I made the payment, I decided to payoff the loan today ( XX/XX/18 ). It was an issue to make the final payment with Debit Card so XXXX called someone to get an OK for me to pay with that method. Then later told the title wasn't there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018 I reported fraudulent activity on my checking account. Someone charged over 1500 dollars using my debit card. Bank of America had even flagged my account for fraud, yet they are now claiming I authorized those purchases and want to take back the amount credited to my account. The card was not stolen and yet my PIN was used, according to the bank and they did not alert me.

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 2018-11-19 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: OK

Complaint narrative:
I have tried several time to have TransUnion provide me with the correct address as to where I can find the information from XXXX County Court house. They sent me back a letter saying it was verified and they have the address as XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX. Well I have a letter stating that is was verified and they don't verify anything at this address case # XXXX. Also, TransUnion did not mark item as being disputed and this is a violation of the FCRA. I would like them to remove any Bankruptcy they have on my 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 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I had a test done onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone # XXXX. On Saturday, XX/XX/XXXX I received a bill from Professional Finance Company , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co. XXXX for {$250.00}. I called this debt collector today because I was not sure what this bill was about, since I never received a bill for this amount {$250.00} from anyone including XXXX XXXX XXXX. The bill collector advised me the bill was sent to a old address twice and did not hear back so it was now turned over to them for collection. I provided my correct address to XXXX XXXX XXXX on XX/XX/XXXX, before I had the procedure. I called XXXX XXXX XXXX today about this bill since I never received noticed. They said the apparently they forgot to update my address in the system so that's why I never got a bill. I have insurance and I assumed everything was paid for since I hever received a bill. They also advised me they called me on XX/XX/XXXX. I never received the call so this whole incident is what I am complaining about. Not a good way to do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
First Advantage ran a background check. The information they retrieve was inaccurately reported to the employer XXXX, XXXX. They stated that they contacted XXXX County State Court about a XXXX XXXX  charge on XX/XX/2018. The sentence reported was {$720.00} fine and 12 months probation with a plea of guilty. However, my records and the court reports report that the plea was {$720.00} fine and 12 months probation with a plea of nolo contendere. Which means that this charge is not an admission to guilt or innocence and I do not contest the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today - XX/XX/2018 - I had a very strange conversation with someone called " XXXX " at Chase Executive Offices. 

XXXX told me that they were not going to fix the problems! XXXX said to start a new complaint! 
- So - that is what I am doing now! 
- That was strange. Because when I submitted complaints - I got replies telling me to call the phone numbers & the extensions & all that. 
- So today - when I call the number & the extension & all that - then I'm told to file another complaint! 
- Y weren't the problems fixed today??? 
- Y? 
- - Y weren't the problems fixed today??? 

- I wanted the problems fixed today!!!!!!!!!! 

According to THE LAWS - the problems should have been fixed MORE THAN A YEAR AGO! 

XXXX apparently hung-up on me before I could finish explaining things. 

- - It now seems like they r giving me a run-around! 
- I'm probably going to get a response from JPM Chase telling me to call telephone number & extension all over again! 


. 
XXXX - who repeatedly refused to state full name - told me that Chase was not offering financial compensation for re-insertion of derogatory items! 

- I tried to explain that it was NOT so much a matter of whether Chase was offering Financial Compensation for re-insertion of derogatory items! 

- It was more a matter of THE LAWS that say companies that do re-insertion of derogatory items ARE SUPPOSED TO PAY Financial Compensation for re-insertion of derogatory items! 

- Victims - like - for example - me - are supposed to receive XXXX $ ( XXXX XXXX dollars ) of financial compensation per re-inserted derogatory item! 



. 

It now seems like they have no serious intention of complying with FCRA - CPA - ADA SMCRA - FACT ACT or other laws in these cases! 

- It now seems like the victims like me are going to have ask lawyers to file lawsuits about these kinds of problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
The debt is over 10 years old and un collectible in the State of NJ statue of limitations is 6 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: NY

Complaint narrative:
I am a victim of identity theft

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 2018-11-19 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: ND

Complaint narrative:
On XX/XX/XXXX2018 I receive a notice of a increase in a visa interest amount. the increase on the account was due to a bad credit score, they obtained the score from Transunion out of XXXX, PA. All information in this report is false and incorrect. I have kept all accounts current and in most case 's pay off the loan before it due time. the house was paid off 15 years ahead of note due date. All car loan paid on time and paid off on time or before due. Credit card XXXX limit owes XXXX of which will be paid off on XX/XX/2018 always on time never late. balance in checking account XXXX on main account AEP account XXXX savings XXXX plus more, XXXX loan on all real property .Value at XXXX other property value is excess of 150000. plus more.

Tran Union was contacted and they just blew me off and said Its not their problem because of false information they sent out. Well its there problem they are filing false for the public to know of and they should make it right.

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