vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: SD

Complaint narrative:
In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a XXXX XXXX XXXX XXXX card and a XXXX XXXX XXXX card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by XXXX XXXX credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts XXXX XXXX is reporting incorrectly that I am the individual on the XXXX XXXX XXXX XXXX XXXX and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. Experian has reported fraudulently I am past due on an account I am not on not responsible for

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 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1400.00}, {$2900.00}, {$3700.00}, {$4700.00}, {$2500.00}, {$5200.00}, {$2200.00}, {$2300.00}, {$5700.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- STUDENT LOANS 4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

10. U S DEPT OF EDXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

11. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I acquired bitcoins ( {$2000.00} worth of XXXX  at XXXX ) and XXXX  ( {$2500.00} worth of XXXX  at XXXX ) through Coinbase. 
Reference codes of the transactions : XXXX ; XXXX I kept them there as a savings. On XX/XX/XXXX those XXXX  and XXXX basically disappeared even though I have a two step security ( password and text message ) access the account which never were activated. I have tried in more than three occasions to obtain response from Coinbase ( via mail and filing complaints through their website ) but so far no answer or reaction from Coinbase. 
Please advise how to proceed in this case or what legal options I have. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally Financial to try to get more information as to why I was reported late XX/XX/2017 and XX/XX/2017 and they couldn't locate my account with my social, account number or address. I requested payment history which I haven't received and I disputed these lates. According to the rep she was able to request the dispute and payment history but coulnd't locate my account which makes no sense at all. I have been very responsible paying this account as well as all of my other accounts and these lates are reporting incorrectly, they're unverified and they are ruinning my credit. I am trying to refinance my home to get an affordable payment in this pandemic and these lates are preventing me from saving my home. This is against FCRA laws and against my consumer rights.

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 2020-12-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1400.00}, {$2900.00}, {$3700.00}, {$4700.00}, {$2500.00}, {$5200.00}, {$2200.00}, {$2300.00}, {$5700.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- STUDENT LOANS 4. U S DEPT OF EDXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

5. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

7. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

10. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

11. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2020-12-17 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: U.S. BANCORP
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In 2009 it had an account with Wachovia Bank. I am now receiving at least 4 calls per day in my phone from reatricted numbers with this guy treating to serve myself and my wife with papers and suing us for the old debt. He is also calling my wife 's phone at least 3 times per day. He had also contacted other family members and past employer giving them information. He is also threating to garnished out wages and bank account.

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 2020-12-17 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: NY

Complaint narrative:
on XX/XX/2020 -there was a fraudulent inquiry made at XXXX XXXX to get credit & it appeared on my XXXX  credit report. i never made this inquiry & contacted XXXX  XXXX immediately & then XXXX. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX -another inquiry was made again at XXXX XXXX  & this appeared on my experian credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I attempted to send XXXX dollars via the provided option of phone number and it was sent in error ( by pay pal ) to an incorrect email address. The phone number that it was directed to is tied to the correct account but pay pal sent it to an email address not affiliated the with said destinatio I contacted them and the first time they stated a refund would be issued within 48 hours of the phone call. After not receiving the refund, I called them back. This time they stated they could request a refund from the mistaken recipient but could not do it on they're end. 

This is a problem caused because of a fault in their system and i need refund issued asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MB FIN SVCS add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX and XXXX, 2020, I filed a series of disputes against XXXX XXXX XXXX University for attempting to damage my credit over _federal_ loans that are currently in deferment. Although Experian has made improper conclusions about the University 's extortion attempt, as I previously complained to the Bureau about it, Experian removed the derogatory item. In addition to helping the University commit a RICO conspiracy, having already resolved the XXXX XXXX XXXX matter back in XXXX, Experian opened the dispute without my consent. This behavior also follows my more recent complaints against Experian on the issue of excessive disputes made without my consent, for which waiting the legallyrequired sixty days for Experian to address only legalized obstruction of justice ; I could not send them a cease an desist letter before this latest offense, which the XXXX allows to go unpunished with the sixtyday requirement. For some reason, both XXXX XXXX XXXX and Experian insist despite the latter 's action against the former by undoing their damage to my credit to the point of laying the foundation for a maliciousprosecution suit, and obstructing the same with ongoing actions in SLAPPlike manner that their lies about thr status of my XXXX XXXX loans in deferment are true.

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 2020-12-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.

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 2020-12-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.

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 2020-12-17 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: ERC
State: IL

Complaint narrative:
On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/2020, four fraudulent charges were made against my Apple Card by Goldman Sachs : {$540.00}, {$420.00}, {$620.00}, and {$1700.00}. I immediately disputed the charges in my XXXX  XXXX. On XX/XX/2020, Apple/Goldman issued four provisional balance adjustments in the disputed amounts. On XX/XX/2020, one of the vendors issues a refund in the amount of {$1700.00}. 

On XX/XX/2020, I noticed that all provisional balance adjustments had been reversed. 

Here is a description of the events in question : XX/XX/2020 XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX  XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XXXX Dispute Resolved in my favor Based on what I witnessed I contacted Apple/Goldman on the following dates/times : XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 52 Minutes Spoke to XXXX and XXXX XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 14 Minutes XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 15 Minutes XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 42 Minutes Spoke to XXXX, Fraud Specialist XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX  Phone Call from XXXX 15 Minutes, Spoke to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX XX/XX/2020 XXXX XXXX  Talked to XXXX then Transferred to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX, XXXX, XXXX As of now, they have admitted multiple times that a mistake was made and cant explain why my account has not been duly credited. What is really shocking is that Apple and Goldman are not able to connect me to a manager with the authority to fix my problem and it is clear that their " escalations '' go nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a mortgage loan in the amount of XXXX, from AmeriHome. I immediately began to aggressively pay off the loan. On XX/XX/XXXX, I only owed a total remaining balance of {$2700.00} ( at that date ). I paid that amount and it was applied to my loan. The remaining interest was calculated on XX/XX/XXXX. It was calculated to be {$27.00}. I immediately paid that amount and it was momentarily applied to my loan, showing a XXXX balance. The next day the remaining balance was back to {$27.00} and the website indicated a payment was received in the amount of {$27.00}. The following day the balance was still {$27.00} but it now indicated that no payments had been received on the loan. 

I contacted AmeriHome numerous times on the phone and on their internal website email ( well over a dozen times ). I contacted numerous agents and no one could tell me why my loan was not fully satisfied. 

Today ( XX/XX/XXXX ), I again spoke to an AmeriHome agent who indicated that the {$27.00} was being held by them in suspense. She related that AmeriHome did that because if they applied the {$27.00} to my loan, my loan would have a XXXX balance. She demanded that I send them an additional {$170.00} so that they could apply the {$27.00} to my loan. 

The agent stated that they needed the additional funds ( {$170.00} ) as a recording fee. She also stated that on XX/XX/XXXX, I would be required to pay the full normal payment of {$1500.00}, regardless of the fact that I do not owe them any further monies on the account. 

I immediately sent AmeriHome the {$170.00} in duress and against my will. I believe that AmeriHome has no intention of showing I paid off the loan and they are committing fraud to extort money not due to them.

Company response to consumer: Closed with explanation