vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On  XXXX   XXXX ,  XXXX  my mother  XXXX   XXXX   XXXX  died. At the time of her death her personal assets were held in the  XXXX   XXXX   XXXX   Revocable Trust  and this trust was managed by her. In the event of her death the  XXXX   XXXX   XXXX   Revocable Trust  named myself, her son,  XXXX   XXXX   XXXX  as successor trustee. As successor trustee of the revocable trust I am authorized to handle all of her assets of that trust including collecting payments and operating her bank account for the benefit of her beneficiaries and creditors. I attempted at the local branch of  Huntington National B ank to withdraw the funds presenting them a copy of the trust ; they refused to acknowledge the trust and froze the checking account At the time I had no problem with this decision and busied myself with my mothers affair.   At a date approximately 45 days later, I became aware that my mother had a savings account and that the total amounts in both accounts held by  Huntington Ban k were in exess of  XXXX , I again presented the appropriate documentation and Huntington Bank again refused to acknowledge the lawful exercise of my rights as successor trustee.   I was told that only when an executor was appointed  by Probate Court would the funds be released. Under Ohio Law I am under no obligation to file in probate court given the existence of the revocable trust. The trust qualifies as an estate and the successor trustee as executor. We opted for the revocable ttrust because a t the time of my father 's demise, predatory financiers attempted to defraud my mother of her property and we embroiled in costly litigation and criminal investigations for 5 years.   I then drafted a letter to the  Legal Department of Huntington National bank outlying my concerns and requesting that if they did not comply with my request, to  give me just cause in writing. When after approximatel y 3 wee ks, I had not heard from them, I resent the second letter and it too was ignored.   I contacted the  XXXX   XXXX  of Huntington Bank on  XXXX   XXXX  of  XXXX  and requested to be put in contact with their legal department. The personnel refused to honor my request and claimed it was the bank 's policy not to give out the phone numbers of their legal department. huntington has unlawfully closed to m e every avenue of acces s to collect the funds.   I have a lawful right to have my position as successor trustee of the  XXXX   XXXX   XXXX  Revocable Trust acknowledged as executor of the estate created by that trust or be given a response in wr iting why Huntington Bank refuses to do so Any help you can give me I this regard would be appreciated. Enclosed is copy of the letter sent to Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: WI

Complaint narrative:
There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: KY

Complaint narrative:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to All credit reporting agencies including  XXXX . They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on   XXXX   XXXX  . They again resent a letter explaining what a inquiry is. They have failed to respond t o two requests now to research and delete inquiries on my credit report that are inaccurate. T hese inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

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 2017-05-09 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: KY

Complaint narrative:
On XX/XX/XXXX I sent a letter disputing multiple inquiries to All credit reporting agencies including XXXX. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on XX/XX/XXXX. They again resent a letter explaining what a inquiry is. They have failed to respond to two requests now to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.
I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TX

Complaint narrative:
They call my phone at leas t 13 times a  day but they always call from different numbers. They will call 5 times from  XXXX  phone number and then use other numbers throughout the day. My phone rings every hour, sometimes withi n 30 m inutes of the last call. This has been going on everyday since  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 non-monetary relief
Consumer complaint received 2017-05-09 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: WI

Complaint narrative:
There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them

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 2017-05-09 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: WI

Complaint narrative:
There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete them

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 2017-05-09 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: KY

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A.
State: SC

Complaint narrative:
I took out a payday loan of {$600.00} in   XXXX  . I have paid this company on time each month, and I have paid them, according to my records, {$4300.00} total. I called to try and get the date of withdrawal changed and they said that because they had already done that twice for me they would not help anymore. My young daughter is currently at   XXXX   XXXX   XXXX   XXXX   because of  XXXX   XXXX  and complications from it. We have spent thousands of dollars in medical bills alone.   I looked at my loan contract to see how to stop the ACH withdrawal because right now we are a t zero and  wo n't get paid again for another week. Nowhere on the contract does it state how I can stop the ACH withdrawal. That makes the contract invalid according to the law.   I want them to stop the ACH withdrawal altogether but their company refuses to tell me how to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: GA

Complaint narrative:
I would like to file a complaint against Equifax Credit Bureau for reporting inaccurate information on my credit report. On or around  XXXX   XXXX , I requested a reinvestigation of a dispute that I filed 45 days prior concerning inaccurate information being reported on my credit file to Equifax by  XXXX   XXXX   XXXX . The first response I received from Equifax stated that the account was verified. Next, I sent a letter to  XXXX   XXXX   XXXX  requesting validation of the debt. Approximately, thirty days later I received a reply from  XXXX   XXXX  and the account had not been validated.      XXXX   XXXX   XXXX , financed my vehicle in  XXXX . In  XXXX , due to unforeseen circumstances I was unable to make payments on the loan. The vehicle was repossessed and sold by  XXXX   XXXX ,  XXXX  or a third party related to  XXXX   XXXX   XXXX . Therefore, the Account Balance of {$11.00},  XXXX  and/or Charge-off Amount of {$15.00},  XXXX  as of  XXXX / XXXX / XXXX  reported by  XXXX   XXXX ,  XXXX  to Equifax is incorrect, because  XXXX   XXXX   XXXX  recouped part of the said debt/ financial loss when the vehicle was repossessed and re-sold to reduce or eliminate the said debt. Although  XXXX   XXXX   XXXX , is responsible for providing truthful information to Equifax, I believe it is Equifaxs obligation to consumers to validate and verify the information being reported, especially if it has been disputed. Since Equifax clearly failed to verify and validate the accuracy of the information provided by  XXXX   XXXX   XXXX , this problem has caused me a lot of   XXXX   as I am trying to rebuild my creditworthiness. For instance, I have been denied credit, car loans, housing, and possibly employment ; because of the decline in my cred it score/ FICO s core.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: KY

Complaint narrative:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX    They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

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 2017-05-09 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: KY

Complaint narrative:
On  XXXX   XXXX ,    2017  I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: LA

Complaint narrative:
AWA collections has not attempted to contact me and the ONLY way I found out that something had been sent to them was by my credit report. I have contacted them to get paperwork verifying the charges since I never received anything from the hospital before being sent to collection. They told me to mail in request for documentation but the first rep (   XXXX  /2017 ) did not provide any information. My insurance company then called and the collection agency verified information with them and provided information to them but not to me. The  2nd  rep hung up on me repeatedly even after me asking for the information. The 2nd rep  XXXX   XXXX  ID  XXXX  (  XXXX / XXXX /   17  ) was also condescending when I asked what the charges and dates were for since I have still yet to receive anything from this company. I also questioned if they offered a discount if I paid in full today, I was immediately told no and that they do not have to work with me because I did not pay my bill, would have had I known about it! Every time I have talked with this company they do nothing but talk to you like your stupid for not paying your bill. Everyone at some point or another has had a bill go to collection. It sure does not help when they will not work with you to get this issue taken care of. This issue is still not resolved since you can not get any where when talking to them because they talk down to you every single time you call. I was told today (  XXXX / XXXX / 17  ) that a letter was sent to  XXXX   XXXX   XXXX   XXXX   XXXX  which does not exist and the hospital has the correct information I was there  4 w eeks! No date of when the letter was sent was provided to me. I pray that no one has to work with this company they are horrific and not helpful at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: WA

Complaint narrative:
Equifax continues to report inaccurate information my credit report even after sending them supporting documents. For some reason Equifax did not remove it. I 'm a little confused here. How is it that the other  XXXX  bureaus removed the inaccurate information and Equifax did not? I thought they were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other  XXXX  bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: KY

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

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 2017-05-09 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: KY

Complaint narrative:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: WA

Complaint narrative:
ABC Financial  charge a {$20.00} " Insufficient Funds Fee ''. I called them the same day to offer an alternate form of payment since the credit card on file was reported lost. They refused to run another card on the due date and proceeded to charge the fee anyway. This company rips people off and hides behind fine print in a gym contract. I have asked to sign a new contract that eliminates the fee and they have refused. I do not believe what they are doing is ethical or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: AR

Complaint narrative:
I am filing a complaint with TransUnion,  XXXX , and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter one more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire 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