vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
I received a letter earlier this year alleging a debt by a company called XXXX XXXX. On or about XX/XX/XXXX a letter was sent to them requesting information/validation/disputing the debt. As a consequence, they stopped all contact for the past few months. Today XX/XX/XXXX a voice mail was left by this company. They have never attempted to validate the debt or provide any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: NY

Complaint narrative:
These items are on my Equifax credit report and I did not authorize these inquiries. I have disputed these inquiries with the companies and credit bureau and no action has been taken to remove these illegal inquiries. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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:
On XX/XX/XXXX, I sent a letter to Equifax XXXX and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Step 1 : What is this complaint about?

Unable to freeze my credit : XXXX XXXX and Experian Step 2 : What type of problem are you having? 

XXXX XXXX and Experian both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX  Experian services. 

Step 3 : What happened?

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times.

Step 4 : What company is this complaint about? XXXX XXXX  and Experian Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. XXXX XXXX and Experian know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.

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 2018-04-24 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: NC

Complaint narrative:
I have written contacted Experian on three different occasions. Twice through the mail and once through online dispute. I keep writing them and disputing a collection account that does not belong to me. They keep verifying that is is accurate and I asked them in the last letter how did they verify this incorrect information. They responded back with verified once again. 

They will not tell me how they verified this information. I never did business with the company in question so I know they couldn't have verified anything but they are reporting false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I opened a home loan with Bank of America, which reported on my credit report back in XXXX. In XXXX, Bank of American transferred the loan to XXXX XXXX. Somewhere along the line, my XXXX mortgage was deleted from my credit reports. There is no record of me ever having a new home loan with Bank of America in XXXX. This inaccuracy affects my credit score and home purchasing power. It also prevents me from renting because I have no record of payment history.

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 2018-04-24 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: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX XXXX  and Trans Union. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.

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 2018-04-24 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:
On XX/XX/XXXX, I sent a letter to XXXX Experian and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am writing about the collection company FCO : Fair Collections & Outsourcing Inc. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have asked for formal Validation of debt in which that they have not complied with. 
The so called debt with withdrawn in XXXX XXXX New York Court. The case was dismissed when the original creditor XXXX XXXX withdrew the case and no judgement or lien was awarded at all. I went to the county clerks title department and they confirmed their is no legal authority to collect this debt as it marked as disposed. 
They are refusing to remove this from my credit file and my fiances credit file which is preventing us from obtaining a home for us and our XXXX children ( ages XXXX ) Please help me as you are our last hope. 
We can not have any disputes on her credit file per the mortgage lenders as well. 

Sincerely

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 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not 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 2018-04-24 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: WV

Complaint narrative:
I have several " hard inquiries '' on my credit report, reported by Transunion ... through XXXX XXXX website. I absolutely can guarantee those inquiries were not even close to having been done by myself at all. Though most say they drop off sooner than later, they til affect the score. Below, you will see the " errored complaints '' or false inquiries never made by myself. Thanks. 

1. 
XXXX XXXX : XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 2. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX made on XX/XX/XXXX 3. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 4. 
XXXX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX made on : XX/XX/XXXX 5. 
XXXX/XXXX XXXX, DE XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 6. 
XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 7. 
XXXX XXXX, DE XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 8. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX *Several Made on different dates, as follows* : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9. 
XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 10. 
XXXX/XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX made on : XX/XX/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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago! 
They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank. 
They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!! 

Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation. 
They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping 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 explanation
Consumer complaint received 2018-04-24 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hard inquries from XXXX XXXX need these taken off please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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:
This is a request to investigate the following entities : Equifax, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. Equifax responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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:
This is a request to investigate the following entities : XXXX, Experian and XXXX  for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.

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 2018-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is refusing to allow me to submit a dispute on line in an effort to keep negative information that is not mine on my report. I have tried to initiate and check the status of my dispute, and they keep advising I'm submitting personal information that does not match their records. I have submitted the same information to start my initial dispute with no problem, now all of a sudden the information I submit does not match according to them : I am trying to dispute the following accounts as they are not mine and are fraudulent. Continued placement of these accounts on my credit record is in violation of the Fair Credit Reporting Act : Equifax Report Number : XXXX 1. XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX 2.XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX 3 . XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX 4.XXXX XXXX   XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX/Original creditor : FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
In the first week of XXXX I moved from XXXX XXXX XXXX to XXXX XXXX. I had to change banks due to the fact there isn't a USBank for 1200 miles from XXXX. During that process I left XXXX dollars in the account, and placed a hold on the account to ensure no transactions were coming out of the account. On around XX/XX/XXXX I contacted USBank and asked them to remove the hold so I could XXXX the money to my XXXX XXXX XXXX account. During that phone call I asked them to then close the account. Over a month passes by and on XX/XX/XXXX I received a text notification that USBank had changed my address. This concerned me, as the account should have been closed, and they already had my new address. 
After receiving the notification I immediately called the bank and found out I had a negative XXXX dollar balance, mostly due to bank overdraft fee 's and penalties. At this time I attempted to close the account, and tried to pay what I thought was my actual expenses that came out of the account. ( I was actually double billed by my Student loan company. ) At this time I spent the next two hours trying to get them to close the account and settle up the difference of what was owed, minus and fee 's for their negligence. In this process they could not reach the right department, or could not find the right person to resolve the issue and close my account. At this point I am beyond upset, and am considering filing a lawsuit against the USBank. I need your help closing the account, removing any fee 's and help paying the actual money that I do owe to the company. During my two hours on the phone, they clearly demonstrated they should not be allowed to handle US citizens money, and the disorganization, and de-compartmentalization of the company clearly demonstrated they are attempted to defraud me as a customer. At this time, I now want my account immediately closed, and I will not be paying any fee 's or payments to close the account, including anything that was withdrawn from the closed account. This is the Banks error and they are liable for any payments withdrawn during that time. 

To anyone reading this statement, I do not recommend USBank to anyone, as they do not protect you as an individual customer, they care more about Bank prophets. They are a clearly should have their Business License, Operating License, Insurance, and another other US related rights revoked by the US government.

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 2018-04-24 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2017 I've purchased an air tickets over the phone at XXXX, I agreed to pay {$730.00} for two tickets including taxes and other fees. A few hours later I find out that my card was charged for around {$1500.00}. Once I called this company in order to find out why is this happened with a truly believe its a mistake, they tried to convince me that this is full amount of the tickets, but if I would know this numbers at the very beginning I would never buy those tickets, so I said I want to cancel this purchase, they refuse to cancel this order ( but according to their own policy customers has rights to cancel the order in first 24hrs ). So the next phone call I've made was to my Capital One bank in order to dispute this charge. The money was returned to me, I've send all available documentation ( evidence ) to them ... THE END? NOOOOOO!!!!! it took them ( Capital One ) 6 month to investigate this situation during this period of time we had a conference calls with a XXXX Capital One and me, Bank sopped the dispute took the money back then reopened it again because I've rote them the official letter that I want to continue it .... 
Well after all the Bank took the money back because " I did not have evidence strong enough to return me my money '', but where am I suppose to get it from??? no one cared, my word was not enough as well as the word of my wife who was witness of the whole situation ... at the end I asked a Capital One manager, " so at the very beginning you guys knew I'm not going to win this case, and this disputing system is not going to help me, why did you wasted my time for 6 month with a fake hope i can return my money? '' the answer was : " we have to provide you an opportunity to file a dispute '' - even if you know I'm not going to win it? " yes '' ...

Company response to consumer: Closed with explanation