vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 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 have sent four letters to Transunion credit dispute department started on XXXX 2017 thought out the months leading up to XXXX 2017 asking them to verified four accounts each time Transunion mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Transunion have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Transunion is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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 XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13 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:
On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TX

Complaint narrative:
I had a negative Derogatory mark on my equafax credit saying I still owe this XXXX XXXX Opened XXXX XXXX 2014 {$89.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$89.00} Highest Balance {$89.00} Opened XXXX XXXX 2014 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX I jave paid this the have bee notified my XXXX XXXX XXXX but it still remains they have be rude and still refused to remove from my report They also say that a investigation will take at least 30 days but probably 90 days I feel tat they are being unreasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX, XXXX Capital One Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, Experian and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: NC

Complaint narrative:
RE: Unverified inaccurate items:FED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN XXXXFED LOAN  XXXXFED LOAN  XXXXI have been back and forth with XXXX and Experian for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items XXXX XXXX) that were being incorrectly reported and XXXX completed investigation results came back that these  were unverified accounts and they were deleted from my credit report. I also sent XXXX and Experian a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof; I did not receive anything from XXXX and Experian. Yet til this day Transunion and Experian are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX showing that these items were deleted because they were unverified and inaccurate. XXXX and Experian need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I had water damage at my house. The insurance company did not pay on my claim but I sued them and won. The insurance company made the check out to me and my mortgage servicing company. The funds, over {$33000.00}, are sitting in my escrow account and have been for 3 months. The mortgage servicing company refuses to release the fund, requiring documents that I do n't have or that were never in existence because this is not a typical insurance claim but the proceeds of a law suit. They also continue to request documents I 've sent electronically and via regular mail. In one call the admit receipt of a form, in the next call they demand a copy of the the same form claiming they never got it. I 've made over dirty calls and they continue to ask for things not relaxant to my case ( they want documents from the insurance company that I can not get because they are attorney client work product. I need my money to pay back the loans I took to fix the house. I need a real pathway to get my funds, not new hoops to jump through every time I call for months on end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: MA

Complaint narrative:
On XXXX XXXX, XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via XXXX certified mail on XXXX XXXX, XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX XXXX. 

Transunion sent me a notice dated XXXX XXXX, XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XXXX XXXX, XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XXXX XXXX, XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.

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 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX of this year I opened an account with Bank of America and only used the account for my personal use no direct deposit thank XXXX but my friend would send me money from time to time so would n't have to deal with XXXX XXXX or XXXX.So as of the XX/XX/XXXX of XX/XX/XXXX I could n't use my online account and called and found out it was a hold on it and was told to give me the risk management department which was no help cause they could n't tell me XXXX only saying that the bank decided to close the account and it was being reviewed like all accounts do which is a bunch of bull cause if there was an issue most banks will call you or give you a heads up they did n't and not only that there is over 2000 dollars in the account and on the day they closed it they allowed my friend to put in a deposit that day which why would you do that if the account was being closed? Sounds like extortion to me and that they trying to keep my money.Then they tell me that they have to put in a request for me to even get my money really it 's MY MONEY not theres.People use banks to hold there money not the other way around they are the biggest crock of XXXX I know cause at the end of the day I need my money back they had absolutely no reason to close it period and if there was an issue why allow me to open an account anyways.But as I can see this is there practice and then they act like they ca n't tell you anything man bunk that I want my money like now cause they are the biggest crooks ever and I will keep making noise until I do get it back and get some real answers.Cause this is not right and a big XXXX fraud XXXX thieves and liers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I attempted to work with XXXX XXXX at the local office on this but she just blew me off, stating she did n't have time call this number. XXXX BB & T charging me over draft fees when I clearly had the funds in the account to cover said debit. Agent stated something about a pending fee that held the funds and the very next day that pending was also charged an over draft fee, These erroneous action of theft of my money caused a snow ball affect. I have balanced my account now and it should be stable. I want the funds returned to me that BB & T stole from me. I spoke with XXXX this evening and she even said in our talk that the actions of the bank is to hold these funds when in pending, as such this cause additional charges against me. Under a general ledger I had the funds to cover the debits and should not of been charged Over Draft fees. Funny XXXX stated they should n't of charged me but would n't remove these fees. 

Banks use what ever means they can to steal money from us hard working Americans and this needs to end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
In XXXX XXXX, I sent in XXXX and XXXX XXXX payments. They were returned because I was informed after the fact that Selene Finance wanted 3 payments submitted. In XXXX i submitted 3 payments for XXXX, XXXX, and XXXXXX/XX/XXXX7.. I was just informed that they sent back all 3 payments because they want XXXX  payments. In addition, they are trying to put me in foreclosure status if all 5 payments plus attorney fees are not submitted by XXXX/XXXX/XXXX. How can they return 3 payments which would have left me owing for XXXX and try to add fees of {$2400.00} ( attorney ). That is not fair. This company is rogue, rude, and they lie. I have call this office 8 times in the past 2 weeks ; there was no reason to send back 3 payments then push me into foreclosure. I will resubmit payment for XXXX in addition payment for XXXX will be submitted by XXXX/XXXX/XXXX. I am not going to allow Selene Finance to bulling me, create fear and punish me by adding unnecessary fees ( attorney ) for my loan to be re-instated. This company is disgraceful. I read over 300 complaints filed against this company since XXXX. I will resubmit all 5 payments due but i am not paying for fees because they are trying to foreclose. 

My loan number is XXXX my contact number is XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has held my funds for over 2 months. In XXXX XXXX, I deposited a check for about $ XXXX into my account. Since that day, they held my funds. They claimed that the check did not belong to me. Despite the check being under my name, Citibank still refused to release my funds. As of XXXX XXXX, I have called them over 100 times and tried to verify that the funds do indeed belong to me. The check was coming from a car insurance company as compensation for a totaled vehicle. 

Citibank asked me to provide proof of a business registration document by going to the branch. The document was taken to the branch, but after several phone calls to Citibank, they still refused to release the funds. Then, they told me to fax the documents to them. I did so, but then they said the documents were not received at the correct department. Despite this, the documents were faxed again a third time. 

They closed my account and have not paid my funds. 

Citibank is a dishonest bank and after 2 months of stress and calling, they still make excuses by repeatedly telling me to call them on Monday to resolve this issue.

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