vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is per compliant ID XXXX and XXXX In Summary of the complaint : I made two payments to American express of {$3700.00}, and their records have not credited me for both of them, as their correcting entries reversed one of those payments. 

In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00}  to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Early Warning Still Has Not Resolved My Issue And Still Have Not Remove The Block For The Fraud Accounts That Where Open With My Social Security Number. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Early Warning Claims This Accounts Where Already Disputed And That The Blocked Will Remain On My Consumer Report For Opening Checking Accounts Or Saving Account For The Future and They Are Requesting For Information In Writing About This Account For They Can Disputed in XX/XX/2018 XXXX Requested to Early WARNING To Remove the block for any XXXX   Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Equifax maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it  from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research as known as XXXX. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account with coinbase. my email address is XXXX. They closed my accounts with no explanation and told me to move my USD in my wallet out. At the same time they closed all my bank accounts associated with my USD wallet. So when I tried to move money out, the system asked my to select an bank account but there is no bank accounts to select. The total amount of money in the wallet is {$5400.00} USD. They need to bring my bank account back to the system so I can transfer it out or allow me to fill in the bank account information. This issue has been ongoing for almost five months. I have send them numerous emails and called them many times but with no response so I have to report it to you. I want all my {$5400.00} USD back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
In previous CFPB complaints, Ocwen Loan Servicing and their counsel stated ; " unable to respond to your complaint because your complaint involves the same issues raised in pending or prior litigation ''. 
Now, what agency, company or person has a lawsuit against Ocwen Loan Servicing? What is the state that the lawsuit is pending or had prior litigation in? Are the lawsuits that Ocwen and counsel is mentioning, part of a federal lawsuit? What is/are the case numbers to each lawsuit pending and prior litigation against Ocwen Loan Servicing? NOTE : these questions are NOT part of a pending or prior litigation! This means that Ocwen and counsel will be able to answer these questions unless Ocwen Loan Servicing is hiding fraudulent activity as I stated multiple times in the past!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX XXXX credit card is missing completly from my Experian credit report. It is an ACTIVE credit card, and its appearing on all my other credit reports with XXXX  and Transunion. 

By removing my XXXX XXXX card from my credit report, Experian is reporting my total credit usage at over 80 % and that makes my score is being reported 50 points lower, because of this. My score is HIGH, above 700 on two other agencies, who still report my XXXX XXXX credit card, it was High with Experian too before XXXX XXXX disapeared. 

I am a paying member of Experian credit service product. There is no way for me to dispute the information as wrong on Experian web site. This is because the credit card does not appear in the credit profile at all. There is NO funcutioal way to select " other '' if it is not appearing on my credit report. How do you dispute something that is not there? 

Why is it removed all together? I checked my credit report via my Experian product for closed cards too. it is not appearing in that area too. Attaching screen shots of the card being present XX/XX/XXXX and streen shot of today shows NO XXXX  XXXX card. 

In reporting this complaint, I am selecting the check box to give permission for Consumer Finance Prtection bureau to publish my report for consumers to read. This makes NO sence how a credit card can just disapere? And, that my creditt score drops to 50 points because of the error, it prevents me from getting Credit products I want to apply for. Unless the credit provider excludes Experian and uses only XXXX or XXXX. XXXX and XXXX, XXXX XXXX them, they are still report my XXXX XXXX Card on my credit file, and report my Fico as HIGH fico. 

Please experian - resort my XXXX XXXX card to reporting, and Rapid frefresh my  score. 

Also - there is a fraud allert on the Experian report. Remove it, as I have a credit protection account with Experian i can monitor my own credit. I see no evidence of unauthorised credit pulls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: LEXISNEXIS
State: NV

Complaint narrative:
Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, XXXX as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to XXXX and Lexis Nexis to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached. 
3. Due to inaccuracies Judge dismissed the case. 
4. Yes, Lexis Nexis verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Experian maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
After repeated attempts at asking them to please stop calling me, my employer, my family and close friends, AmEx has continued making harassing phone calls. I am seeking legal action as there have been various FTC breaches with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Transunion maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I called into the TransUnion credit bureau because my score with them is much lower than with XXXX  and XXXX. After comparing the reports to see what the differences were, I noticed that the TransUnion report stated one of the reasons for my score being lowered was length of credit history. I also noticed that they are missing an account that Ive had open and in good standing since 2006. The other two bureaus are accurately showing this account. When I called in to TransUnion, they told me that the creditor needs to report the account information and monthly updates and I would need to reach out to the creditor. On that same day ( XX/XX/XXXX ), I reached out to the creditor, who confirmed for me that they report to all 3 bureaus and that my account information was being sent to TransUnion. I called back to TransUnion on XX/XX/XXXX and spoke with a representative and their supervisor to try and get this situation resolved. I even offered to get on a 3 way call with the creditor to help resolve the issue. They offered ZERO help and even began to get belligerent as I pressed to come up with a solution. This is affecting my credit score and things I want to do in my life and for them to be so flippant is insulting and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NV

Complaint narrative:
Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, Al.2015 as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to Experian and XXXX XXXX to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of  Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached.

3. Due to inaccuracies Judge dismissed the case.

4. Yes, XXXX XXXX verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
My student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2018 a person using my name opened six accounts at WELLS FARGO BANK Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Each have a deposit of {$1.00}. They claim to have called me. I have no records of any call. WELLS FARGO refused to give me the telephone number they call ( and that they have on record ). Neither of my two phones I read to them matched the phone they claim to have used to call me and they refused to give me the number called. 
On XX/XX/2018 a received a check from WELLS FARGO in the amount of {$1.00} for each account ( total {$6.00} ) indicating that the accounts were cancelled. 
In the telephone conversation on XX/XX/2018, WELLS FARGO BANK informed me that the accounts where indeed cancelled on their initiative. After my complaint of they accepting to open such unusual and perhaps fraudulent accounts they promise to investigate. Case Number : Wells Fargo # XXXX. 
The documents opening the accounts had my correct name and SSN but a incorrect Drivers License number. 
It seems that my identity was compromised and that WELLS FARGO colluded with the person to open the account to make it appear that 6 new accounts have been opened. 
WELLS FARGO accepted opening the accounts by a telephone call on XX/XX/2018 by someone impersonating me without proper checking of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TN

Complaint narrative:
My student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TN

Complaint narrative:
My student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XX/XX/2018, we received an escrow disbursement check for {$8.00} from Ocwen Loan Servicing. Now ; on XX/XX/2018, we refinanced our home with XXXX XXXX XXXX XXXX. In XX/XX/2018, XXXX XXXX XXXX XXXX paid off this mortgage loan. NOW : it's been three months so why didn't Ocwen send us the full escrow reimbursement amount when Ocwen sent us the previous reimbursement check on or around XX/XX/2018 for {$330.00}? It appears that an employee of Ocwen Loan Servicing charged us for satisfaction fees when we were NOT suppose to be charged! So, why did Ocwen charged us these fees? Does federal or state laws allow mortgage servicing companies to charge satisfaction fees?

Company response to consumer: Closed with explanation