vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
This is a fraudulent account that is being reported and in collections with National Credit Adjusters/NCA. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with NCA, in addition to disputing it with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted numerous requests to Equifax to provide the method of verification, with whom the information was verified, and how the information was verified. The only answer I receive is that the information was verified and updated through XXXX. This is incorrect as XXXX  is not the original reporter. Federal Bankruptcy Court in the Middle XXXX XXXX XXXX is. XXXX  has provided incomplete and unverifiable information to Equifax, XXXX   and XXXX. XXXX is not the original furnisher of information. They are a third party information vendor that sells whatever information they get their hands on as accurate. I wrote to the Federal Bankruptcy Court and asked if the Court provides any personal identifying information to any of the credit bureaus. The answer that was received stated the Federal Bankruptcy Court does not provide any information to third parties such as XXXX, Equifax, XXXX  and XXXX. That tells me that the information that was used to " verify '' the bankruptcy information was taken from the P.A.C.E.R. System which is heavily redacted. One question I have is how can XXXX delete the information and Equifax and XXXX   not do the same. I sent XXXX the same information and they understood the bankruptcy information was unverifiable and had to be deleted under the Fair Credit Reporting Act. This will be my final attempt to seek their adherence to the FCRA. The next step will be legal action in the Federal Court System. The bankruptcy docket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear CFPB representative, I am following up on a previous complaint I submitted XX/XX/XXXX ; complaint ID # XXXX that was never addressed nor corrected by XXXX XXXX ( representative of Wells Fargo ). Her contact number is XXXX ext XXXX. Attached to this email will be : - a copy of the response letter from Wells Fargo datedXX/XX/XXXX confirming that the company received CFPB complaint and that the matter would be addressed ( my request was a new revised billing statement which would show my {$1400.00} cash payment to be used towards the principal payment and not in unapplied funds balance ; -copy of billing statement dated XX/XX/XXXX showing {$1400.00} going towards unapplied funds ; -copy of an email from Wells Fargo that the request was solved, which it was not ; -copy of the list of the mortgage billing statements available on the Wells Fargo website ; the latest statement dated XX/XX/XXXX which has the error. No new billing statements after this date has been applied to show that the {$1400.00} cash payment was applied towards the principal ; -copy of Wells Fargo online account summary that shows the correct principal payment of {$140000.00} ; but, the actual mortgage billing statement for the unpaid principal balance states {$150000.00}. 
In conclusion, I received two voice messages from the Wells Fargo representative, XXXX XXXX ; I have returned her call twice, including leaving her a message as to my request to correct this matter. However, no changes have occurred as of yet and it has been more than two business days. 
Would you please assist me on my behalf by notifying XXXX XXXX and finding out the hardship as to why this matter has not been corrected.

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 2018-03-06 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: Ocwen Financial Corporation
State: LA

Complaint narrative:
Our current mortgage company, OCWEN, is adding information to their credit reporting that does not/should not be reported. There is no reason for them to add words and " history '' to current reporting of our account. 

They are including the following to all credit reporting agencies : " Consumer Information Indicator : CHAPTER XXXX BANKRUPTCY DISMISSED ''. 

Why include this information? Is this legal? Is this information necessary and/or is it supposed to be included by law? What laws are they using as their reason to include that info?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO

Complaint narrative:
I took out a personal loan in the amount of {$300.00} in XX/XX/2017. I agreed to repay the loan {$130.00} per month for ( 3 ) months. The loan company was able to get the first payment, after which I was having difficulty with the credit union. ( The institution was honoring different companies requesting funds not entitled to the by what they called virtual signatures ), which caused me to become overdrawn. I advised them of the problem and the account was closed until this could be remedied. I agreed to pay the remaining balance of approximately {$260.00} in full once I received my tax refund or within 30-45 days. I had spoken to them a couple of times keeping them informed of the my most current status. In the meantime I get a letter in the mail requesting the entire amount was due payable. I had agreed to repay, but now they're asking for more than twice the amount agreed upon. ( {$660.00} ). I have tried to reason with this company to no avail. I already have problems with XXXX, I don't need any more negative reports. I just want to pay my correct balance and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. I have tried contacting your company and the address provided is a incorrect address. i am attaching the return mail to prove that this is inaccurate and false reporting on my credit. please remove thin incorrect inquiry as soon as possible as this is hurting me to obtain credit. i really hope we can remedy this as soon as possible. im keeping careful records of all communication with your company. depending on your response i will file a small claim court in my local county were you will have to attend. i have proof this is an identify fraud as my identity was stolen and i filed a police report. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
Received a statement with a {$1100.00} balance owed from some ficticious company that turned over account to them ... there is no such account for which I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: IL

Complaint narrative:
This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: IL

Complaint narrative:
This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with XXXX, Experian and 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 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My daughter was diagnose with XXXX XX/XX/XXXX. She need help with here XXXX month old little boy and need my assistance going to the doctor and getting XXXX. Meanwhile I had XXXX on my XXXX   during the same time. I was out of work for 6 weeks. I was stressed and so upset with all this going on. I started fall back on my bills. With know help from Loancare. Till this day XX/XX/XXXX I'm still stressing to help my daughter and raise my grandson. My mortgage have in increase 3 times since I purchase this home in XX/XX/XXXX, Was {$740.00} now {$790.00}. Customer Service is so bad. They don't have any respect for people. Also Loancare Loss Prevention Department I had a toilet that over flooded XX/XX/XXXX and I still haven't got my house repaired yet ( XX/XX/XXXX ). They are stressing me out for simple things that I have no control of. I sent everything they ask and they still haven't release the check to get my house in order. XXXX XXXX put me throw a lot today. I need a decrease on my mortgage.I need help.

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 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2018 Several Tire Orders were Cancelled. But, I was charged in error

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion continues to display fraudulent information about me. I've tried to remedy this with them in the past, but to no avail. I could care less, about a credit score, being that I am a human being and not a tool for commerce. a set of numbers do not define this human being and never will, so therefore, it is my demand that TransUnion abruptly stop, sharing/reporting my personal information, without my written consent and as far as I'm concerned, they will never have my written consent to report private and personal information about this Consumer. TransUnion has illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB, for protecting his Personal, Family and Household.

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 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I went in person to a Regions branch to file a dispute associated with my checking account. That representative did not properly file the claim. I called Regions by phone XX/XX/XXXX and spoke to a XXXX XXXX who stated she would reopen the claim and asked me to send additional documents which I did. On XX/XX/XXXX I called to speak with XXXX again but was told she was not there at all that day and she in fact did not reopen the claim. That person claimed HE would reopen the claim. On XX/XX/XXXX I went into a XXXX FL branch and spoke with a XXXX XXXX about my claim. She did not offer any explanation regarding my disputed claim. I asked why ANOTHER {$36.00} fee was added on. She stated it happened due to a transaction for {$1.00} being held back and then put through when there was no or low money in the account. The fees are now up to {$210.00} related to this XXXX XXXX disputed claim in the amount f {$330.00}. My total loss is {$550.00}.

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 2018-03-06 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Sent Ad Astra a debt validation letter regarding the alleged debt. Agency responded by sending me a bill. A bill is NOT validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax was contacted XX/XX/2018. It has been over 30 days and there has been no response. Notice was sent out via certified mail. Attachment was submitted in new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I notice 2 inquiries from Equifax that I don't recognize, it was a total of 5 when I contacted Equifax but, 2 are still on the credit file. I did contact Equifax in XXXX of 2017. Equifax does not even have the contact information from the alleged inquirer, see attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Date : XXXX Amount : XXXX litecoin Company : XXXX ( Coinbase inc. ) My account : XXXX Action : Failing to recognize an erroneous transaction I was trying to transfer Litecoin to my another account. However, I accidentally entered my Bitcoin address instead of my Litecoin address as the receiving address. Of course, this got rejected by the blockchain right away. However, XXXX confirmed this as a valid transaction. As a consequence, the XXXX litecoin has been withdrawn from my GDAX account although the transaction never happened. Ever since, Litecoin had dropped 30 % in value and I lost the opportunity to sell it since XXXX had effectively confiscated my litecoins. I contacted their customer supports and they havent got back to me in 2 months. 

I attached two screenshots. One shows the transfer history from my XXXX account, and it says the transfer is complete. However, if I track the transfer address, it says the Litecoins were never redeemed ( i.e. the transfer was never completed )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
Jh portfolio kept calling me and said that I owed them money I asked them to validate the debt.I never received a validation of debt from them instead they decided to sue me for a debt I never had.i answered the lawsuit and I put in a counterclaim for harrassment and fraud.i sent a certified letter to them and asked them for a signed copy of the contract.i never received this.i have also put in a dispute with XXXX to have this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Discover has given me about 4 late payments.

I see whats going on and made a complaint to Discover on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with Discover till now. Is hows a Tech error my mistake?

They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE.

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Discover and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life.

Please help me get all those false missed payments off my credit.

Already beginning to consult lawyers about possible legal action against Discover in regards to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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:
I notice from from my Experian credit file 2 inquiries that I don't recognize, I did contact them in writing but, nothing has been done. Those inquiries are from XXXX and 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