vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 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:
XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with XXXX and Equifax, given they have false information on my report. I sent them a copy of the letter that was returned to me. XXXX responded saying that the item met FCRA, in which it does not as they are reporting false information about me. Equifax stated that the item would be deleted, however it still remains as of XX/XX//18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I requested validation of debt via live signature contract and I received no information back regarding validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: U.S. BANCORP
State: LA

Complaint narrative:
US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened 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 2018-03-31 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 have mailed the same requests several times to Experian to no avail.

To : Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if YOU are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. And dont continue to keep putting these back on my credit if you cant validate the legitimacy of these companies. I prepared to take this to court, if I continue to have problems. 


I demand the following accounts be verified with contracts and my signature or removed immediately. 

Name of Account Amount Provide Physical Verification Diversified {$110.00} Unverified Account Diversified {$990.00} Unverified Account Fair Collections {$920.00} Unverified Account * Requesting that you remove all non-account holding inquiries over 30 days old. 
* Requesting that you add a Promotional Suppression to my credit file. 
_______________________________________________________ I dont know the above accounts, nor have I ever had contracts, or business with the above. Out of the 3 agencies, Experian is the most difficult to deal with. They don't follow the federal laws. They have been contacted numerous times to no avail, only additional XXXX of additional paperwork, to which, documents have already been fully supplied to Experian. 

My next course will be to file suit for {$10000.00} in my county for failing to provide the required documents and protection of my consumer reporting file. 

I want them to send me SIGNED CONTRACTS for the above companies. I want my account blocked as requested. Im not sure what they don't understand. 

I send copies of my social security card, drivers license, banking information, police reports, police offer badge # and the discrepancies at hand in copies. 

Tired of playing games with Experian. COURT!!

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 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Mr Cooper ( Nationstar Mortgage ) misreported my credit info to bureau as a foreclosure on my HARP modification. I have called and emailed them multiple times. They have same response every time, we are working on it ... ... Issue haven't been resolved since three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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:
I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a duke energy collection on my account that is not mine. I have called XXXX XXXX  telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.

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 2018-03-31 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:
I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a XXXX XXXX  collection on my account that is not mine. I have called XXXX XXXX telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing this in reference to my account. My name is XXXX XXXX a XXXX year old XXXX Florida resident who on XXXX XXXXXXXX2016 with the help of my daughter setup an online account with Capital one and deposited {$1500.00}. I have since been unable to access those funds either online or via my phone and have been unable to get the funds refunded to me or my daughter the depositor of the funds. 
As a senior citizen, XXXX and not savvy with the internet and even though I had an account in a regular brick and mortar bank was convinced by my daughter that based on her experience she could get better saving rates using an online bank and so my daughter assisted me in setting it up, however for mysterious reasons Capital one has retained those funds for over a year, refused to refund them to me or my daughter, suggested we get pop money - the service that was used to deposit the funds to reverse the funds even though pop money offers no such service after 60 days especially not for transactions that go through successfully. 
It is quite apparent my funds have been illegally seized and retained. 
Since I am on a fixed income and have had trouble paying some bills and unable to purchase some medication because of this money I have no access to because I am being denied access by Capital one, I have suffered a lot of hurt.They wont even give me my full account number. 

I have researched and seen that I am also completely protected by Florida Statute section 415.1111 and Florida Statute section 501.2077 and it appears I am being taken advantage of due to my age and XXXX. 
I would like to kindly request that the funds are disbursed and refunded to me at the address I provided on my account, the other option would be to issue the refund check or deposit to my daughter the initial depositor of the funds. If there is a problem with establishing my dentity they can request copies of my state id and or ss #, no one at the bank has requested any of that or provided that option, the only consistent message I have heard is that my money is being retained for over a year with no interest which amounts to a XXXX. 
My information is below : Name : XXXX XXXXe Zip code : XXXX Last 4 of SS # : XXXX Please let me know if you have any questions and I hope you respond to this request promptly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I dont know this company. I have never done business with this company. I don't have credit with this company. I don't have a signed contract with this company. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Diversified is required by federal law to verify - through the physical verification of the original SIGNED CONSUMER CONTRACT - any and all accounts they attempt to post on a credit report.

In addition, I have NEVER asked this company to mail me identity theft information.

I dont want this company calling me or mailing me with harassing fraudulent communications.

My next course of action will be to file legal action in my county in the amount of {$10000.00} for damages. Along with other entities who violate Section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a check deposit to my checking account with Bank of America. The next day I made a withdrawal with the exact amount. On the same day, I deposited some of the money and then withdrew some again. The next day, I deposited some money and all of the sudden I received a phone call saying my bank has been closed. In addition, they put the check I deposited on hold and it wasnt clear. I tried to tell them it was officially my check I deposited from my 401k.

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 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent out letters of validation of debt via live signature on contract via certified mail and I have been sent no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!

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 2018-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My initial complaint through CFPB about Credit Acceptance was submitted on XX/XX/XXXX ( XXXX ). My complaint is related to Credit Acceptance failure to notify the co-signer as well as myself of intent to sell a repossessed vehicle. On XX/XX/XXXX, I received a phone call from XXXX XXXX. XXXX  was unprofessional during the phone call, as it seemed as if he was trying to coerce me into saying that I received notification of intent to sell. Credit Acceptance responded to my initial complaint by providing documents that were supposedly sent to the co-signer as well as myself. The problem that I have with the alleged proof a notification sent before selling the vehicle is that the co-signer denies receiving notification as implied in the response by Credit Acceptance. The co-signer has resided at her residence for over 10 years. Therefore, its not possible that she didnt receive notification due to relocation. Hypothetically speaking, if its a possibility that I didnt receive my notification because of an issue related to the postal service, how can it be possible that two individuals with separate addresses not receive mail coming from the same company. I strongly feel that the documents provided by Credit Acceptance are falsified.

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 2018-03-31 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:
I have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX  Account # XXXX  to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: LA

Complaint narrative:
RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) 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 2018-03-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief