vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, Experian and XXXX   correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. Experian has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and XXXX have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On the XXXX XX/XX/2017 I transferred funds from my account on XXXX to my account on coinbase.com. The funds never showed up in my coinbase account. I contacted XXXX  to ensure the transfer went through and was assured it had and to check with coinbase. 

I have sent numerous emails to coinbase requesting the matter to be looked at and have been ignored. 

I lodged a complaint with BBB and they too have tried to get the matter resolved and coinbase have ignored them. 

The transaction id is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, TransUnion, XXXX, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you

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 2018-02-02 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: MD

Complaint narrative:
On XX/XX/XXXX Experian refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts XXXX XXXX XXXX appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a letter from Equifax that says they froze my account for 90 days. When I tried to call to find out if it expired, I can not get a definitive answer on a credit freeze on my account from Equifax. I've spent hours on the phone and online. One time it seems as there is a credit freeze on my account as I requested 3 months ago, another time it seems there is no freeze and I have to pay {$10.00} to start one. The phone calls to them are useless. Going online does not give me a clear answer. I want to know if I have a freeze so I can protect myself from the data breech from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I reached out to Equifax and XXXX XXXX by written letter on XX/XX/XXXX regarding a fraudulent XXXX account that is reporting only on my Equifax credit report. I have not received a response from neither XXXX nor Equifax regarding this fraudulent account. This inaccurate and unverifiable XXXX account needs to be removed from my credit report immediately. This fraudulent account has affected my credit score tremendously. I would like for this account to be removed from my Equifax credit report immediately as I am entitled to a correct credit report. Also I noticed on my Equifax credit report that payments were made on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide me with the information on who made these payments, voided checks and bank information so that I can file a police report as this is not my account. Your attention to this matter is greatly appreciated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/2017 my XXXX credit card was charged without my authorization for a particular charge from XXXX XXXX XXXX XXXX. I called XXXX to initiate a dispute who referred me to the city of XXXX XXXX who actually assessed the charge. I then called XXXX XXXX XXXX who over a 4 day period made me call XXXX on a conference call with two of their customer service reps. Who both did not understand the validity of the charge, the agents submitted my formal dispute on day 5. After 30 days XXXX denied my dispute because XXXX replied stating they charged my account correctly. I have called 6 times over a 4 week period and my calls to XXXX Credit Cards dispute department have all been rejected. This company has told their reps. not to transfer me and that the dispute is final. NO COMPANY CAN DETERMINE WHAT CHARGES TO A CONSUMER ACCOUNT MAY OR MAY NOT BE AUTHORIZED. I FILED A CLAIM WITH THE CITY OF XXXX XXXX WHO CHARGED MY ACCOUNT AND THEY HAVE YET TO PROVIDE DOCUMENTATION AS TO THE CHARGES VALIDITY. XXXX IS UNDER OBLIGATION TO THEIR CUSTOMER TO FILE TRANSACTION DISPUTES EFFECTIVELY AND IN A TIMELY MANNER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, Equifax, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, XXXX, and Experian remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo home mortgage has yet to provide documents from 2009 as I requested from closing as I have. 
Wells fargo has not provided documentation only on 2009 closing as I have and was giving to me.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, XXXX and TransUnion correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. TransUnion and XXXX  have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/2017, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: TN

Complaint narrative:
Please delete off of my credit file!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Didn't receive notice of right to 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 2018-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax still isnt reporting all of my accounts that are in good standing! I have filed a complaint against them and they responded saying they were working on it and yet THEY HAVE NOT DONE ANYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
Didn't receive notice of right to dispute NEVER RECEIVED LETTER FROM COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has yet to provide me anything documented by law that states on an all California All Purpose Certificate Of Acknowledgement that some notary as stated by wells fargo home mortgage can sign my name and say on there documented ( IPERSONALLY APPEARED BEFORE THEM ) HOW IS IT WELLS FARGO MORTGAGE CAN SAY OR THE NOTARY SAY I APPEARED BUT ITS NOT MY SIGNATURE ON THE DOCUMENT. 
Wells fargo home mortgage has yet to provide me anything legally by California law that states any one can sign an document that states I personally appeared and what law in the state of California gives wells fargo   the right not to let me see or no why corrections agreement & power of attorney was made with out my consent or knowing. 
All wells fargo keep responding back saying with out any documented proof of the law that states that there notary can sign for me as me and say I appeared. wells fargo home mortgage has yet to address the issue they keep talking or responding back to not the real legal issue.

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 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OR LETTER

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 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OF DEBT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
On XX/XX/2018 ECMC, Educational Credit Management Corporation, website XXXX XXXX XXXX sent a letter to my workplace requesting my wages be garnished. 

The ONLY information for the debtor they had that matched any of mine was a first and last name. Not even my middle initial matched the information they had, and yet they had the nerve to send a letter to my employer. 

Luckily the person at my work handling this knows me and let them know right away this was not the right person they were looking for, but they are obviously just fishing on websites for names and not doing due diligence to ensure the person they are targeting is correct and my wages could have been garnished for a debt I had nothing to do with.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I requested an investigation into 7 accounts that are listed on my credit report ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX ) and on XX/XX/XXXX, TransUnion verified them as accurate ( see attachment ). On XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) and ( 7 ), I faxed a Method of Verification request letter ( see attachment ). I received a generic form letter response on XX/XX/XXXX, stating the procedure they follow ( see attachment ). There is no information pertaining to the accounts in question, nothing specific to me at all. On XX/XX/XXXX, I faxed TransUnion a 2nd Method of Verification request letter ( see attachment ). I received a letter containing the dispute results on XX/XX/XXXX, which states that the XXXX XXXX tradeline was deleted and all others were verified ( see attachment ). It is my belief that TransUnion did not contact the furnisher of information related to these accounts. It is also my belief that TransUnion has failed in their duty to maintain reasonable procedures that would assure complete accuracy of my credit report. I would like to note that matching account numbers and information that is recorded on a third-party database is NOT what is required or expected by law and if their method of verification was only to check a third-party database without verifying this information with the furnisher of information, then they have not done what is necessary.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XX/XX/XXXX, at approximately XXXX, I registered on Equifax 's website for the XXXX  XXXX credit monitoring service. My information was part of the Equifax data breach that was announced in XX/XX/XXXX. Upon submitting my information, a message box popped up stating that an e-mail would be sent, however there would be a delay due to the volume of requests. I interpreted that information to mean it could be delay of days so I didn't check my e-mail last night. Instead I checked my e-mail this afternoon. In fine print at the bottom of the e-mail was a message that said " this link will remain active throughout the enrollment period, which ends on Wednesday, XX/XX/XXXX. '' So, by checking my e-mail and trying to click on the link today, I have lost out on this service being provided by Equifax. 

My complaint is the fact that when I hit submit to enroll in the program last night the pop-up box did not state that enrollment had to be completed through the e-mail during the enrollment period. The message in the pop-up box DID NOT contain all the information and DID NOT provide all the steps that had to be completed. The message in the pop-up box was very misleading by stating that there would be a delay in the e-mail being sent due to the volume of requests. There were no details as to how long that delay would be. 

I called Equifax this afternoon and was told that there was absolutely nothing they could do to enroll me in XXXX XXXX credit monitoring services since the enrollment period had ended - even though their own website contained misleading information and missing information. This is extremely frustrating considering that the error and misinformation was on their end. And now, I'm the one whose personal information has been compromised and has no credit monitoring.

Company response to consumer: Closed with explanation