vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 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: MN

Complaint narrative:
I recieved a copy of my background check. The information below in not correct. I have never lived in XXXX County. I have only ever lived in XXXX County. Someone must have used my name or information. Please remove this from my criminal background check. 


Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered MN Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COUNTY Given Name Searched XXXX XXXX XXXX Source Status History Status Date Description XX/XX/XXXX XXXX XXXX Search in progress. Estimated completion by XX/XX/XXXX Order Process History Date Description XX/XX/XXXX XXXX XXXX Search In Progress. 
XX/XX/XXXX  XXXX XXXX Search In Progress. 
XX/XX/XXXX XXXX XXXX Record Judged. 
Back to top

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Car rental company misrepresented terms and conditions of the car rental process and even with what the company says is not being done : email outlining how to use partial credit received upon cancellation not received ; the credit not posted to the account ... not to mention that the credit was limited to certain type of rental that wasn't outlined in the rental agreement. 

I filed the dispute with XXXX. I did not get anything in the mail from XXXX  yet but the dispute was closed in favor of the merchant despite providing proof that the agreement was violated by the car rental company and no credit received. In email received from XXXX, first told XXXX can't control how the credit being used and ask me to contact the company by phone to figure out why the credit not posted to my account. 

I disagree with XXXX  position as feel they dropped the ball and let me take the hit. I have disputed the charge as services not rendered and since the rental never finalized and I have never received any type of credit from the car rental, the XXXX  should have reversed the charge

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 2018-10-05 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: CA

Complaint narrative:
I disputed with experian on collection account XXXX XXXX XXXX twice. both time experian failed to verified this account is a judgement in XXXXand this debt is too old to place on my credit report.The collection agency place a misled informations on my credit report that the account was new but it was in fact the judgement is 12 years old and it should not be on my credit file.. Talked to experian they sound like they do not care or want to verify accurate information with this collection agency and have requested to certify the collection agency update informations like how this debt became and what type of debt. As I pointed out with experian that original creditor is personal name XXXX XXXX and it must be a judgement but experian failled verify under frca rule 611.

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 2018-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient calls multiple times a day regarding past due payments. The calls begin 1 day after the due date and so far today ( it's XXXX EST ), they have called the co-signer on the loan 3 times because the payment is 1 day late. I was told that was their procedures, which is ridiculous. I also asked to remove the co-signer 's phone number from the account as he is a senior citizen and gets very worked up when he receives these calls. I have told them that they are free to mail him any documentation they want but the phone calls need to stop. They said they can not do that. They do absolutely nothing to assist my son in lowering the payments or deferring the payments while his income improves. Additionally 2 years ago we submitted paperwork to remove the co-signer, my son met the requirements, and each time we called they said they were working on it. 

This is the WORST company ever to handle student loans. Clearly they have no compassion for the kids who come out of college with $ XXXX in student loans and are trying to make a living to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XX/XX/2017 XXXX XXXX XXXX  reported a late payment with a o, XXXX, amount due. 
the previous month i had paid more then amount due which gave me a XXXX amount due for the month of XXXX. they reported me 30 days past due because i made no payment on XXXX on the XXXX balance. i haqve talked with XXXX XXXX and they have agreed to remove the past due report but have not do so yet. please remove this past due of XXXX report from my credit report so my credit report will improve and i am not penalized for paying this account ahead of time and not paying on a XXXX amount due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I put in an application for a loan, I was denied for the loan because they informed me that on my equifax credit report my child support was in default and late over 120 days for almost 2 years. Ive have not been late with my support or missed a payment. enclosed as proof are all my child support payments that i receive emailed receipts. I mailed the first letter to experian on XX/XX/2018 and they send my a reply as verified and that the information was correct. on my second later dated XX/XX/2018, i asked for proof of verfication. Per the Fair credit reporting act, they have the burden of proof sending me documentation on how they verified the information. They sent me a letter saying that it was once again verified and that they updated the status from 120 days late every month to " G '' which in their code means account under collection. Once again, no letter, no method of verification. So I decided to call the number that equifax has listed on my report for the child support office and it is disconnected, XXXX XXXX.So if they have the incorrect number, how can they call and verify?? My child support obligation was met and closed on XX/XX/2018. The account is now closed, I went to the office in XXXX and they told me to dispute with the credit report agencies because it was out of their hands. I took the initiative to go into my emails and found the payment receipts for all my support payments enclosed, which prove that all payments were made consistently, on a monthly basis with no deliquencies or missed payments therefore proving my case all along that this was incorrect information. The credit bureau had the burden of proof to properly investigate this information and failed, A blatant violation under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Checking Account at Chase Bank. I was writing out bills in the beginning of XXXX and looked at my statement ( which I usually don't look at, I know that is wrong ) and I found that I had no money in the account. I had approximately {$13000.00} in there prior to this discovery. I went to my branch to investigate and they found that someone had made withdrawals starting in XX/XX/2018. Most of the withdrawals were done in the month of XXXX. Chase said they had footage of someone going to various branches and using a withdrawal slip and a fake drivers license. The License number was incorrect. They established that I had nothing to do with this fraud. After an investigation of approximately two ( 2 ) weeks, I received a letter saying that there was too much time elapsed and they could not give me any of my money back. Before I get a lawyer I wanted to see if your organization can check this. I was told by a lawyer that there is not a time frame and Chase told me there was a time frame of 60 days. That being said, the dates in XXXX of these bogus withdrawals, was less than 60 days so I don't understand why they are doing this. This is a lot of money and I will get a lawyer if I have to but if you can help me I would appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 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: FL

Complaint narrative:
I have submitted documentation to Experian from the company they have claimed to have verified the information from. They still refuse to deleted the infoemation from my credit report even after I supplied the documentation. Please Investigate.

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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Property damage loss occurred on XX/XX/18. I paid {$6300.00} on XX/XX/18 for a plumbing repair caused by a covered peril ( lightning ). I received the settlement letter from XXXX  dated XX/XX/18 and received my check on XX/XX/18 payable to me and Suntrust Mortgage. Per Suntrust procedures I had to endorse the check and send to them along with the 16 page adjuster worksheet, I received my endorsed check back from Suntrust on XX/XX/18.

I called my insurance company ( XX/XX/XXXX ) and asked why the plumbing was not included in the initial settlement when the loss was caused by a covered peril - the claims adjuster made the correction and issued a supplement to the settlement and I received the reimbursement check sometime during the week of XX/XX/18. It was made payable to me and SunTrust Mortgage.

The manager at my local Suntrust branch told me to follow the same procedures as the first check - I endorsed and sent via XXXX to Suntrust on XX/XX/XXXX along with my proposal dated XX/XX/XXXX and invoice dated XX/XX/18 from XXXX XXXX. I was expecting to receive my endorsed reimbursement check back from Suntrust by XX/XX/18. I called them on XX/XX/XXXX to get a status and was told they were holding my check because apparently it was not clear the invoice was paid in full so I submitted my paid receipt and a copy of my credit card statement showing the charge made on XX/XX/18.

On XX/XX/18 Suntrust has cashed my reimbursement check and is holding my money and a check will be made payable to me and my contractor. I received a letter requesting a revised adjuster worksheet, contractor proposal, contractor waiver of lein and contractor W9. There is no revised adjuster worksheet, I have already submitted the contractor proposal plus my invoice and paid receipt. I called XXXX XXXX XXXX to get the lein statement and w9 - the job is done, and paid in full by me on XX/XX/18, and they have no need to get involved at this point.

On XX/XX/18 my claims adjuster submitted a letter to Suntrust on company letterhead stating the check issued on XX/XX/18 in the amount of {$4300.00} was intended to be a reimbursement to me for a repair paid in full by me. XX/XX/18 Suntrust acknowledged receipt and continues to refuse to release my money.

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 2018-10-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XXXX which means all of the reporting after XXXX with the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: NY

Complaint narrative:
XXXX XXXX is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and XXXX returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance.

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my XXXX  statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to Experian. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account.

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXXwith the inaccurate balances was based off of inaccurate information from XXXX. An intentional effort to report false information and a clear example of XXXX  failing to abide by the FCRA rules.

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).

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 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I had an 18 month promotional offer with XXXX for same as cash financing. Apparently, the offer ended on XX/XX/XXXX of which I was not notified by email or mail. I was assessed finance charges in the amount of {$1700.00}. I have paid my account on time during those 18 months. I called to dispute charges however, they said there was nothing they could do and I had no options. I told them I wanted to pay off my balance with the closing of my house on XX/XX/XXXX. They said I would have to pay my balance of {$2900.00} as well as the interest charged of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Yes I open this account XX/XX/2008, my card was fraudulent use in another state that thus credit card company, contacted me that my card had fraudlent activity. so capital one closed my account. and i agreed to pay my part where i had made purchased, on this card.and i conitued to pay what i owed. then capital one raised my interest rates. on what i had used my card. i have been paying my account everymonth as i should. last month capital one charge me a annual fee on this closed account. this was just a slap in my face by this company. i seek a attorney. and was told this was agaist the law. this account has made my life and credit upside down, I was told also that i was being charge for a XXXX dollars cash advancement. over 10 years. the capitalone crdit card company has continued to charge my account now for over 10 years. this is ridiculous. can youplease help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment. 
Document password - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
Diversified adjustments is contacting my wife and myself on an account that is more than 7 years old. We have repeatedly told them we have already paid this and we are not paying any more money on this balance. 

Along with the fact the debt is non existent in XXXX  system at this time after we contacted them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was sent XXXXEuros to my Paypal account. I logged into Paypal to receive it. Once I clicked " accept '', the webpage showed me three options, one of which was to convert the money to {$33.00} and some cents. I Googled " XXXX Euros '' and it reported that amount to be worth about {$34.00}. I thought the cost ( $ XXXX {$33.00}?? ) to be reasonable and so I selected this option ( the date was XX/XX/18 ). I then saw a webpage that said the transaction was complete and it provided a link to " transaction details. '' It was only then, that I saw some details that indicated that I was only receiving less than the {$33.00} that I had been promised.

Company response to consumer: Closed with monetary relief