vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 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: MO

Complaint narrative:
after disputing the following debts with XXXX 4 times and XXXX and TransUnion 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, XXXX & TransUnion ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, TransUnion & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, TransUnion & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.

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 2017-08-24 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: MO

Complaint narrative:
after disputing the following debts with XXXX 4 times and Equifax and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( Equifax, XXXX & XXXX ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, XXXX & Equifax ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since Equifax, XXXX & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: IL

Complaint narrative:
On XX/XX/XXXX i received a letter from First Progress XXXX XXXX XXXX. 

It states, " We have not received the verification documents as requested. Therefore as part of our cardholder agreement, we have had to close your credit card account. '' This part im fine with. - ( I had planned to close this account anyways before i have better offers that are unsecured cards. ) However, this part of the letter is my issue. 

" Your security deposit has been credited to your outstanding balance owed. '' You will receive a statement showing the credit for your security deposit and any outstanding balance on your credit card account. 

My card was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my security deposit. This is 100 % THEFT and FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased US Bank prepaid Mastercards # XXXX, XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XXXX XXXX and discovered that money has already been stolen from these cards in XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.

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 2017-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
the computer glitch caused my inquiries to be deleted.later transunion later added them back on my credit report without giving me a legal required written notice 5 days prior to them re adding.i contacted Transunion to have the inquires deleted

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX mortgage payment was made XX/XX/XXXXbringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XXXX/XXXX/XXXX XXXX says they reported on XXXX/XXXX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XXXX/XXXX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

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 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX 2017 I did a wire transfer of {$10000.00} from my XXXX XXXX XXXX XXXX Account to XXXX XXXX company 's Account in Bank of America. While processing the request online one digit in account number was missed. Bank Of America rejected the wire due to invalid account number and charged {$45.00} and sent back {$9900.00} to my bank. I do n't understand how can XXXX charge me, I did n't have any contract with them. Just because they had access to my funds does n't mean they can keep any amount. I called my bank and they were unable to help as they did n't charge me, so they could n't reverse it. There is no way for me to contact XXXX as I do n't have an account with them and it 's hard to figure out on self automated customer care phone number, with no real person to talk to. This {$45.00} charge is unfair and I would like to have a full refund.

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 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Region 's support has tricked me out of my money by lying to be during dispute process over a fraudulent charge! 

When I initially called I inflormed I did not have access to a printer and it might be a few weeks before I was by a local branch of theirs to be able to do it in person.They told me that would be alriight and to not rush. Weeks later I received a letter telling me they disaproved my claim because I did not fill out and send the paperwork! They lied to me, and when I called to try and remidy the situation they lied to me again! 

The supervisor told me I could still file the paperwork. A week later I received a ride to a branch. The staff there said what the supervisor on their support number said was untrue, for they could not file it. I was stuck there for almost two hours as she tried to resubmit it. 

Since then every time I have spoken to a staff at Regions about this issue they have not been able to find the dispute, as if the employee at the branch was not successful at resubmitting it! 

They bait a swoicched me! They tricked me into not being able to sumbit their paper in order to cheat me! And they have ignored me since!!!

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 2017-08-24 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: NY

Complaint narrative:
On two separate occasions, I filed a dispute with Equifax to check and validate the information regarding XXXX XXXX. It was indicated that these two items were suppose to be deleted from credit file in XX/XX/XXXX, which coordinates to last activity record. SOL on private loans ends seven years for the date of final activity. These items should have been removed from my credit report in XX/XX/XXXX and violates the FCRA. During this period, Equifax has failed to remove these items. My next step will be to file a civil suit against Equifax in violation of FCRA Regulations. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : We verified that this item belongs to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
After surviving XXXX XXXX XXXX. I ended up paying {$15000.00} in medical bills out of my own pocket. Most of these bills I paid immediately. I made sure to avoid ALL medical debt. Yet, after 6 months I start getting calls from EOS. A collection agency based in Texas, even though I 'm in NY state. 

After I deal with the confusion everything is cleared up, or so I thought. A year later they call again. It 's the same two bills. I sent in more specific information. Another year goes by and they call again. By this point I 'm very angry. I have XXXX XXXX, in XXXX call them directly! I 'm left alone for all of XXXX. 

Then inXX/XX/XXXX they call again. I mail them the copies of the bills I paid out of my own pocket all those years ago. This is some crazy frivolous XXXX. We 're talking {$82.00}. I finally consult a lawyer for free and he says it 's fraud. I do not have the money to sue, I became unemployed from the illness. Luckily doctors finally found the problem and put me on the right medicine. I 'm working my way back to a normal life, with a good paying job. 

They are n't stopping anymore. They keep calling with more devious ways to fool me into giving them my personal information. I went to the hospital and printed every receipt I could find on top of the ones I have. I was instructed to never speak with them again. But it does n't stop. Please seek justice on behalf of the many who ca n't afford legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only. 

The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX  report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: IL

Complaint narrative:
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

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 2017-08-24 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: IL

Complaint narrative:
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

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 2017-08-24 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: IL

Complaint narrative:
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time. 

The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX  credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has deleted 2 accounts from my credit report finally. However transunion and XXXX are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted transunion today XX/XX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by transunion they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for transunion and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit

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 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.

Company response to consumer: Closed with explanation