vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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: PA

Complaint narrative:
Hello, I checked my personal credit report, and I noticed that I have been a victim of inquiry issue for TransUnion. 

TransUnion credit report shows that there has been a hard inquiry done on my credit report on XX/XX/2018 by XXXXXXXX XXXX, XXXX, DE XXXX. I do not recognize this. 

I contacted XXXX, and called TransUnion ( and submitted an online dispute at their website ) to remove this credit inquiry from my credit profile. Unfortunately, they were not cooperative at all. I tried convincing them but I got absolutely no help from XXXX. TransUnion was not of any help either as they simply referred me to XXXX and denied any other help. 

I request that you initiate an investigation into this inquiry on my credit report. I would like TransUnion to remove this inquiry from my credit report as I do not think it is correct. 

Thank you for your assistance in this matter.

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 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXX XXXX ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX  failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXX XXXX  ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXX XXXX ( XXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX  refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX  is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX  is following through on the Court Order?

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 2018-05-17 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: GA

Complaint narrative:
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXXXXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXXXXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX failed to pay the accounts off. I was told of " Account Protection '' should I  become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXXXXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXXXXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See  what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX is following through on the Court 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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account with XXXX was paid in XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: WA

Complaint narrative:
I recently transitioned my income property to a second home. The lender was not upfront that they required a year long period of time before they would approve this. In the meantime, they had taken my application, all my information, and charged me for an appraisal. I didn't find out until after 4 weeks that they wouldn't approve the loan because it was a prior rental, and instead bait and switched me with a 5.75 % rate ( vs 4.6 % ). I  declined that offer and they refunded the appraisal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and ncb collection deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I complaint to their executive office about not having online access to my new account ending # XXXX and they were over an hour on the phone with a Rep by the name XXXX and the call ended after following troubleshooting steps that was submitted to their digital office to be dealt with their back office and I was promised that they will call me back with a resolution within a day, after over a week on XX/XX/XXXX I called back XXXX and asked what is going on and he had no clue and after being on the phone with him for hours he just didn't seem to know whats flying and what was last week only after a nailed him down he agreed to listen in to last weeks convo and came up that the escalation was rejected which is non sense as we all confirmed the submission while we were on the phone, he seemed not be knowledgeable nor capable to handle this before listening into the convo he just wanted me to redo things again and again.I demanded to talk to a Supervisor which he transferred me to someone by the name of XXXX and he was the same non sense and also promised me to call me back and he never called me back so on the XXXX I called back XXXX and he again started with the same none sense and couldn't explain me why the escalation was rejected in the first place and he just kept on going in circles with me. I was left without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: GA

Complaint narrative:
Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Wrote letters about 45 days ago with the results of verified XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}

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 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXXin XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/2018 I went to the bank to with draw money from my account witch was XXXX dollars. After I left the bank I went to pay two bills and I realize that I was short changes on my money, I tried to resolve it with the bank but they were just giving me the run around. Talking about they will have my money in to days but that was a lie. USbank has done me like this before but I did not no who to go to until now I just got out of the hospital and they did not care about that at all. I talk with a XXXX XXXX, and XXXX XXXX, that gentlemen told me that if I did not like the way they were handleing it that I can take my business elsa were. They said that it will take two days but they lied about that as well. Some one in that  bank is stilling and trying to use my account as a coverup. I have no food and gas to put in my car at this point so I will have to find out how to get money. I will go to the XXXX and let people no what is going on in the bank of USBanks. Yours Truly

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 2018-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a Capital One credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
Capital one has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from Capital One to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) Capital One wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by Capital One. Capital One will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX  balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and XXXX XXXX  deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had an in XXXX your of bankruptcy placed on my credit file. I filed a complaint with transunion and XXXX XXXX. The other agencies are not reporting any collections and XXXX XXXX sent me a letter thru the CFPB portal advising that they have removed that record.

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 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Check fraud/misappropiated funds : Wells Fargo bank deposited a check we wrote to a different company or person than listed on check. Seeking reimbursement for misappropriated funds. 

Date of check XX/XX/XXXX amount : {$1200.00} date redeemed : XX/XX/XXXX Have not been reimbursed for Wells Fargo mistake. I called Wells Fargo after it was processed after being contacted by the intended recipient about the missing payment they were expecting. Wells Fargo confirmed that the account funds were deposited to was not the same as written on the check, but would not tell me the account holder name nor would not process a reimbursement. Wells Fargo told me that I needed to go through our bank to process a request for for reimbursement for this check that was deposited to their account holders account in error. 

I started a claim through our bank on XX/XX/XXXX. I provided the required paperwork with a signed statement from payee confirming they did not receive the check or receive the funds. Our bank submitted the claim to Wells Fargo on XX/XX/XXXX. They advised me it could take 90 business days. I had followed up with them several times over the past few months inquiring about the claim status. each time they said there was not response, although there was a response of receipt of claim initially. 

Finally on XX/XX/XXXX received a letter from our bank saying that Wells Fargo has not responded to any of their multiple attempts regarding my claim and thus have closed the case. It has been 6 months since filing this claim and it has not been resolved, nor has Wells Fargo responded.

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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
Torres Credit Services placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Torres Credit Service to remove incorrect information off my credit report. More importantly, Torres Credit Services are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX  which dropped my score. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

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