vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 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: OK

Complaint narrative:
Background information regarding a criminal charge is incorrect. I tried explaining to the consumer reporting agency 's rep how the information is wrong and the rep can or will not understand or take the time to understand me correctly. I got denied employment because of this. Every time I called I spoke to the same rep almost like he 's the only one. I told him all they had to do was rerun the check and they should get the correct information but was told the company I applied to would have to run another check on me in order for that to happen. Also, the background check shows the starting date of the check on that particular search was started a week later than all the other searches for reasons unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies has failed to VALIDATE account. This is a medical collection in which I am not aware of, and I want it removed from my credit file. I have filed a complaint with the better business bureau on XX/XX/XXXX, and their response was our records indicate that we received your request for validation. Our office researched and validated your account on XX/XX/XXXX to the address on file. That is not true. I have never received any validation with my signature on anything. 
I sent in a dispute in XX/XX/XXXX and requested that they provide me with documentation with my signature that was signed to VALIDATE that the debt is mine along with a signed HIPAA consent to release my medical records, and I have yet to receive the documentation Ive requested. Sending an itemized bill isnt a VALIDATION of debt. Transfinancial Companies is practicing illegal debt collection tactics and is causing tremendous harm to my credit report. If they do not delete this inaccurate information from my credit file I will pursue legal action against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday XXXX XXXX at approximately XXXX XXXX I visited a bar in XXXX. The bar required a cover so I had to use my debit card to withdraw money sufficient to cover the bar cover. The bouncer was standing directly next to me and watched me enter my PIN. I entered the bar and opened a tab. 

A few hours later I attempted to close my tab and the bartender informed me I did not have a tab at that bar ( there were several bars in the restaurant ). I search the bar and give up around XXXX XXXX intending to return when they open the next day at XXXX XXXX on Saturday. I return home and sleep until the morning. 

The bar closes at XXXX XXXX. Around XXXX an XXXX XXXX male ( matching the description of the bouncer is seen withdrawing cash with my ATM Card. I later reported the incident to the XXXX who were able to pull this video to verify my story. The same person then drives out to the suburbs of XXXX and in the preceding hours spends over XXXX at XXXX, ATM 's and XXXX. 

I notice my account has been drained around XXXX XXXX when I am heading to the bar to try to recollect my card. Chase Bank froze my account and informed me I would need to go to a branch to report the card stolen on Monday morning. At no point did Chase call me or attempt to verify the transactions. 

Upon reporting the card stolen the charges were temporarily reversed. However, later they determined the charges were permitted due to : 1. A clerical error in the first person submitting the charges and only submitting one instead of all of the charges, 2. The physical card being used with the PIN and 3. The charges taking place within 100 miles of my place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: KS

Complaint narrative:
I have accounts that have been disputed and I have never gotten any reponse back have sent tin police reports and everything needed and nothing has changed. I have disputed several items and they are still on reports. some of which are fron many years

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX XXXXXXXX XXXX called me up and said i was pre-approved for a mortgage refinance. We talked briefly and he requested a credit card to pay {$250.00} ( half of the appraisal fee ). I was charged {$250.00} on my XXXX  in XX/XX/XXXX and no one called me to schedule the appraisal. I then called XXXX XXXX XXXX in XX/XX/XXXX and asked if my loan application was moving forward and requested to be contacted by the appraisal company to schedule, i was never contacted. Then a letter in XX/XX/XXXX from XXXX XXXX arrived disclosing that I am not approved for the Loan and XXXX XXXX XXXX is not responding to email, text or call.
XXXX XXXX XXXX  nmls # XXXX XXXX XXXX XXXX  XXXX XXXX Senior Mortgage Specialist p. XXXX x.XXXX f. XXXX  XXXX nmls # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14 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: AR

Complaint narrative:
Transunion refuses to investigate and remove inquires that are unknown and not inquired nor authorized by 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 explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I sent money to someone and they are not able to get it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, WA XXXX  XX/XX/XXXXBarclay Card- Executive Office XXXX XXXX XXXX XXXX , DE XXXX Greetings : In early XX/XX/XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my Barclay Card visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a XXXX XXXX business account number of XXXX with the name XXXX. From that account, money was added to my Barclay Card in the amount of {$20000.00} on XX/XX/XXXXand I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XX/XX/XXXXand again I made purchases and sent them off. On XX/XX/XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called Barclay Card asking for them not to let that happen, but even so it was reversed posting XX/XX/XXXX
I believe that Barclay Card has some responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this happens many, many times. I believe this makes both XXXX XXXX and Barclay complicit in fraud, as I believe that this been happening in this way for a long time. I had someone check and literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid to a Barclay account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a XXXX XXXX account to a Barclay account to be stopped in this way, I would not have made and sent those purchases.
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. I think Barclay should have some kind of system set up to investigate when this happens often. By allowing many, many of these kinds of reversals without a court action, XXXX XXXX and Barclay are complicit in allowing this kind of fraud to happen.

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 2017-11-14 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: PA

Complaint narrative:
Navient has serviced my student loans for sometime now ; initially I wanted to consolidate to have one payment monthly at a low rate, instead, I received a higher interest rate than my original loans. I inquired as to why and was given a text-book response.
I inquired about ways to pay off my loan faster without breaking the bank and was put on a plan ; only to realize that the rate at which the interest rate increased was extraordinary. When I ask why the interest rates continuously increased, the respond was due to the plan I had selected. I made a large payment a few months ago, with the hopes my principle would decrease, only to realized just a few months later, it has increased more than what it was before making the payment. I was told that the department of education assisted with the interest rate and had calculated the assistance in addition to my payment, hoping it would decrease the balance, but it did not. I called Navient about a week ago and requested a breakdown of my loans and payment and balance- the rep responded that she could not provide the information because the system did not allow her to. I was furious - a financial institution in 2017 has systems that does not provide customer balances and history- they finally said the report will be mailed out ; as of todays date XX/XX/17, I have yet to receive any documentation explaining my loans, payment and balances, and the interest continues to grow! I 'm worried, i 'll never start my life or plan for a family as long as this issue looms. I do not trust Navient- I feel I 'm stuck!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: NJ

Complaint narrative:
debt is not mine. i reported my wallet lost and this car was opened in my name. it was in an accident with no insurance out of state, and sold in an auction. XXXXXXXX XXXX never tried to contact me for this debt. and after writing it off they resold it to XXXX XXXX. They have now reaged the debt from XX/XX/XXXX to XX/XX/XXXX and are in collections affecting my credit worthiness and any other chances of moving up on my scores.

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 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Years XX/XX/XXXX & XX/XX/XXXX I have tried multiple times to contact this place in addition to the credit bureaus to let them know that I am not responsible for this debt I have been a victim of identity theft My car was stolen in XX/XX/XXXX, my home was vandalized in XX/XX/XXXX among other issues I encountered with my taxes where someone tried to file an amended tax return in my name This Place XXXX XXXX will not budge and continue to say I owe them the money when I did not sign up for any school or education assistance with them The Credit Reporting agencies does not believe and will not remove it I did not even receive any kinds of billing which would have alerted me earlier than when I first found out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America servicer for XXXX XXXX, is the plaintiff in a foreclosure motion in superior court of nj, that that does not mention XXXX XXXX or the Trust originally listed on earlier paperwork As plaintiff to the foreclosure motion as required by law. Also Bank of America originally sent us 3 different loan modifications letters in 2016, which we accepted, paid the 3 trial payments, even though the payment amounts changed with every letter they sent, causing us more hardships ... when we finally became permanent, the balances of the account were incorrect and Bank of America servicer of the account has never rectified the incorrect balances due to the modification letters they incorrectly kept sending us. We ask the CFP to please have both Bank of America and XXXX XXXX answer these serious issues, concerns and hardships caused and request an immediate stop of the foreclosure actions in superior court of NJ and request for 3rd party mediation. Many Thanks. 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 2017-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: MI

Complaint narrative:
XXXX of 2017, I was contacted by a company saying they could consolidate my student loans and help get a lower student loan payment. After signing paperwork I was told that they would file paperwork to the US Department of Education. They also told me not to contact my student loan company as they would try to talk me out of this program. This company then rushed me through a contact signing me with the company Equitable Acceptance. After realizing the originally company promising me student loan help was not doing what they promised, I attempted to contact the company which I was unable to do. I then contacted Equitable Acceptance saying I wanted to cancel any services with them and this other student loan scam. They then told me that in the paperwork I signed I only had a three day cancellation time frame and since I am far beyond that, I was going to have to pay them the {$1300.00}. When I tried to explain the situation with the student loan assistance I was told that there was nothing I could do and that I was going to have to pay or it would count against my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: FL

Complaint narrative:
A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score.  Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.

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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXX XXXX keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from Comenity Bank from XX/XX/XXXX. This was from a XXXX XXXX and XXXX of a XXXX that had to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the Comenity account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, Commenity brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to XXXX, but they just would n't do anything. I offered to pay {$30.00} a month to Comenity and to XXXX and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.

Company response to consumer: Closed with explanation