vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA.

* XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA.

* The children that are connected to this child support case is above age.

* XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional.

* XXXX XXXX XXXX  is a closed acct not active case.

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 2019-08-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.Child support is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.Child support violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
* XXXX Child support is a closed acct not active case.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian offered me an online dispute process when they refused to give me my free yearly credit report. They had me fill in some forms and then asked me to upload some indentification documents. When I did that, their upload took a minute, and before I could submit the request they said the web page timed out and they had erased everything. They seem to be doing this consistently, so nobody can file a dispute, because I tried the whole thing more than once. 

They need to make the inactivity timeout much longer when their upload time is long.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX of this year I paid for a vacation package with my debit card, Capital One Checking Account. 
This was a very expensive package and very, very little of what I paid for, materialized. The Travel Company I made the transaction with, has been very difficult to deal with.

They are not transparent and forth giving of who is the ultimate executive that has the authority to speak with me about the horrible purchase I received with the XXXX XXXX XXXX XXXX. 

My issue is with Capital One Bank, I requested a dispute of my payment ( partial ) I made to that XXXX XXXX XXXX XXXX, from my Checking Account. 
Capital One Dispute agents are refusing to honor my request. 
Over and over the agents say service is not eligible for a dispute. 
My numerous complaints against the Vacation Company were many mechanical issues in our room for 7 days, ADA neglect of my injured knee, lying about what I had prepaid for. ( Additional hidden costs ) and much more. 
None the less, they were not all service issues. 
Product description and more were not provided as I paid for. 
As I review Capital One dispute summary section, on their website, it is not stated anywhere that you can not request a chargeback disputes that pertain to service issues. 
I am being jerked around! 
I filed the dispute immediately when returned at the end of XX/XX/2019. 
I need assistance with Capital One not helping me.

I have complained to the company, I have complained to the Florida Dept of Agriculture, that handle complaints against the XXXX XXXX XXXX XXXX XXXX, Where I purchased the package from over the phone and online. 
My travel companion and myself spent {$2800.00} on the package, and I spent over an additional {$12000.00} with the ship and their exclusive vendors. 
The bank has told me flat out that they would not dispute my package price paid to XXXX XXXX ( Which is all I requested ) I requested the name of the Capital One Executive that had the authority to help me, and XXXX a Supervisor in the phone from Capital One, refused to tell me any contact information on where or who at Capital One, that my complaint was being escalated too. 
I am once again not being helped by the bank, nor are they telling me the truth, I ask for their charge back dispute guidelines in writing and XXXX refused to send me that document. 
Is there any help you can give me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
The bank of my called First National Bank of Omaha Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the XXXX XXXX XXXX late! The XXXX XXXX XXXX refused to change or correct the information. However, they did AFTER receiving the check from the First National Bank of Omaha. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The XXXX XXXX XXXX charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The XXXX   XXXX XXXX is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX was the one that shows me the problem and it started with XXXX XXXX XXXX. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within XXXX XXXX XXXX. XXXX needs to fix this record and do not blame me for the APR because the man at the XXXX  XXXX XXXX never told me about the APR. I would not want a secured card with a high APR, the XXXX XXXX XXXX never told me about the APR. However, the XXXX XXXX XXXX and XXXX both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check National Bank of Omaha, it has a proper status as + for a credit. However, the XXXX  XXXX XXXX has - as a symbol for a credit. I do not like the XXXX XXXX XXXX s symbol. It is not friendly. They need to change to + as a credit. It is more proper status.

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 2019-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They decided to take it off XXXX  but still reporting on XXXX  and XXXX. This account belong to someone else

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major XXXX XXXX ( XXXX XXXX  or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I saw XXXX/XXXX  on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XX/XX/XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a XXXX XXXX XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.

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 2019-08-01 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I saw XXXX on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a XXXX XXXX XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The Equifax credit reporting company has been denying me access to my credit reports from them as I have been a victum of identity theft and they have been hiding this for several years, then in 2017 they  were hacked and I found my information had been all over this [ Dark web ] sold several times, my private life and information has been severely damaged thru their negligence and failure to protect my information, im afraid to get any type of credit cards or anything because of what I found, I filed a claim with the administrator of the lawsuit and I will not accept any XXXX offers, if I have to I will file suit for minimum of the {$20000.00} claim due to the extent of what I saw, I have been trying for about five years to get a credit report from them, so I know they are hiding something from me. I recently requested thru this annualcreditreport for copies from all three companys and as to date have not received them. I believe I should be compensated for the damages not some pitiful {$120.00} amount. or their so called free credit monitoring which does nothing to fix what they allowed to happen. 

Thank you the files im sending are just a few so you can see what ive been up against with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
They decided to take it off XXXX  but still reporting on XXXX  and XXXX. This account belong to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They decided to take it off equifax but still reporting on XXXX and XXXX. This account belong to someone else

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards

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 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: IN

Complaint narrative:
I've received 3 phone calls and now they are mailing stuff to my address for my son who has not lived with me in 5 years. I told them on the first phone call he doesn't live here and I don't even know if he has a phone. I told them the same thing on the second phone call and told them to stop calling me. They've attempted to call my husband several times while he was at work and couldn't answer. They called a third time and I told them I was over their harassment. They are mailing things to my home that look like junk mail that are bills for my son. The company calling is XXXX XXXX in XXXX, FL.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My name is XXXX XXXX and I been having a lot of Identity Theft with my Socila Security # I been more than 2 weeks trying to close accounts that I never oopen and some other cards that they been duplicate and used by another person.It 's been an nightmare it looks I can't control people using my information from me .It looks someone stole information from my mail box.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation