vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 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:
I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

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 2018-01-21 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: CA

Complaint narrative:
I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage My original documents have over 21 signature lines that were left blank. It states there was a closing attorney in XXXX in which there was not one at closing. There was a fee charge according to my documents but no closing attorney was there or closed any loan. 
The California All Purpose Certificate Of Acknowledgement has issues as well because I never sign it nor appeared as stated by the Notary and it would make no sense to why this document was hidden from me by wells fargo home mortgage and why it says corrections agreement and limited power of attorney and why this was done or why. Wells fargo home mortgage ever presented me with no documents or did I agree to any changes or limited power of attorney. I also have US Registered mail sent to wells fargo home mortgage was sent 4 times with no response to various issues pertaining to issues that was dodge and never responded to by Wells fargo home mortgage. Wells fargo home mortgage can not prove or explain to why my original documents that I was giving to me are one way and other documents by wells fargo home mortgage seem forged or adjusted to my documents by image. I have consulted 2 attorneys that have sued wells fargo home mortgage to this same pattern they committed in XXXX on home loans documents. 
I 'm in the process of filing suit on this loan not been legally binding and forged by wells fargo home mortgage and with holding documents to adjust documents with out my consent or knowledge. The instrument/ loan is not legally binding by other issues that never replied back back to years ago that US Registered mail to the issues. I have all the US Registered mail that was sent to wells fargo home mortgage

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 2018-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sold my home XXXX/XXXX/XXXX. Bank of America Home Loans reported that my account was 90 days past due. Due to hurricane Irma Bank of America put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to Bank of America, XXXX, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

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 2018-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has made it impossible to log in and dispute inaccuracies on my credit report. The website system is at fault. It ca n't locate me, even with the extensive list of information the made me confirm, the website still has problems and ca n't find me. It tells me the information does n't match. I assure you, the information provided is accurate. If it does n't match, it is due to inaccuracies in THEIR bookkeeping. They are essentially using poorly maintained technical mechanics on their website, to prevent me from disputing inaccuracies. How ever convenient for them. Yes infuriating for me. I need CFPB to get someone from Equifax ( and I mean XXXX XXXX NOT the terrible XXXX based customer service people they employ. These people are useless beyond measure. I need a high level manager at Equifax to CALL ME. Leave a message with a return number in case they end up leaving a message. I want to talk to someone HIGH UP in their organization who can make things happen, so that I can successfully log into my account, pull up my report, and file a dispute. At present, due to website glitches, I ca n't do any of this. I DEMAND a sr manager in credit reporting and inaccuracies to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently got a copy of my Equifax credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified.

As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I sent multiple letters and emails to united auto credit for my car loan late payments for XXXX, XXXX, and XXXX of XXXX asking for forgiveness and goodwill due to my XXXX from my time in the military I was unable to make various decisions like pay on time bills and make it to work due to lack of ability to sleep. I have since then gotten the proper help and medication to boost me in the right direction as far as financial decision making. I have not yet received a response to my email. these late payments hinder my ability to obtain good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: VA

Complaint narrative:
This week AR Resources recorded a opened two open collections accounts backdated to XXXX XXXX for {$39.00} each. The original creditor was XXXX XXXX XXXX of XXXX, MD. This medical bill was paid in full in XXXX XXXX to XXXX XXXX XXXX, and I have proof of payment including both a payment receipt and a payment confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The Following is my Fraud claim directly to XXXX XXXXXXXX XXXX card, I am also mailing a certified letter with all the following information : Attached are : My claim of fraud, Affidavit of Fraud and certified letter to be mailed on XX/XX/XXXX RE : XXXX XXXX Card acct. # XXXX XXXX, REQUESTING EXPIDITED HANDLING I am formally claiming fraud on the above mentioned XXXX credit card. The balance and status XXXX is reporting to the following Credit Bureaus ; XXXX, XXXX and XXXX is grossly inaccurate and as a result, I am in immediate danger of harm and serious financial damages. 

ISSUES : I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting XXXX to either remove the entire tradeline reported in XX/XX/XXXX or update it. Specifically the entire balance and status of this account at least until a proper investigation is completed. 
I am disputing the balance ( should be XXXX balance ) and the status ( closed by credit grantor ) I am confident the investigation will confirm my claim. 
To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against XXXX in the event a reasonable response is not obtained and I suffer damages as a result. 
**Additionally, in the event XXXX attempts to conclude any charge or transaction belongs to me I am requesting all unredacted documents considered and/or used to conclude XXXX investigation. I am also requesting the following information. 
A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
If a card was mailed to me in XXXX, when was it mailed? 
If a card was mailed to me in XXXX, a. ) did it need to be activated and if so, how was it activated b. ) If the card was activated online, what was the IP address used? 
c. ) If the card was activated by phone, what was the phone number used? 
5. What specific information was used to activate the card? 
I am hoping XXXX will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will accept communications via email, USPS , XXXX, XXXX or through any secure platform XXXX would like. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. 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 non-monetary relief
Consumer complaint received 2018-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, Transunion, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

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 2018-01-22 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: FL

Complaint narrative:
I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I agreed with Sallie Mae to withdraw auto payments from my account so I can get a reduction on my student loan interest. My many months they have failed to withdraw money from my checking account making my student loans higher with accrued interest and fees. I called many times and online it says that Im enrolled in auto debit but they dont withdraw the money making my loans higher in accrued interest and my payments higher to a point that I cant afford it. Every month Sallie Mae is suppose to take an amount of XXXX dollars from my debit card and they dont. Now I have accumulated fees and interest. Im tired of calling them and solving the issue every month. Sallie Mae is affecting my peace of mind and well being with this issue. I want to pay my student loan and I would like to see my student loans being pay off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: NC

Complaint narrative:
I do not have a signed contract with SENEX SERVICES CORPORATION, I am not liable for collection of this debt from XXXX XXXX XXXX. I am not responsible for this debt. 

Filed a complaint with BETTER BUSINESS BUREAU XX/XX/XXXXof 2017. SENEX SERVICES CORPORATION did not send back a VALIDATION OF DEBT containing a signature. Simply sent a piece of paper disclosing medical services that we recieved that I do not recognize. The debt is in the amount of {$1300.00}. 
Desired outcome to be DELETED FROM CREDIT REPORT. 
Reporting this onto my credit report was not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays bank is blocking my information to financial data apps. I can not add my Barclays credit card to 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 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello, I have been using Coinbase for the past 2 months. I was able to buy, sell and move digital currency without issues. Suddenly they start to ask for additional information and now they are withholding around USD XXXX of my money on the USD wallet. I can not transfer to my bank account, can not buy cryptocurrency, essentialy I have no access to the money. Ive created a case with them # XXXX on XX/XX/XXXX and no response. The customer support is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On XX/XX/17 I started a customer support ticket with XXXX XXXX XXXX about a transaction of XXXX XXXX that never arrived to my account do to a missing destination tag. I was emailed back and told if I provided them some information about my wallet that the XXXX was sent from and some other things I had to search for myself they would be able to get my money back to me within a couple of weeks. I provided them all of the information they 've asked for but it has been over 2 months and I still have n't heard anything back from them and from what I 've seen on online forums about issues like this I am not the only one. I 've since emailed them multiple times about the same issue and it seems each time they marked the issue as resolved which it had not been.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I have contacted Experian and XXXX  requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX disputes was submitted for unauthorized inquiries, inaccurate public records, and addresses. I called in multiple times and spoke with many reps who then would transfer me to the Office Of Consumer Affairs saying they are the only ones that can help me. I spoke with XXXX on XX/XX/XXXX and she requested that I submit proof of identity via docusign. I submitted the information along with my Identity theft report from FTC. I called back to make sure it was received could not reach XXXX again. Upon arguments with many reps I decided to reach out to the CEO and XXXX XXXX via email but no response. I received a call on XX/XX/XXXX from XXXX in the Executive Office of Disputes and explained to her the situation and she stated that she would contact XXXX in Office of Consumer Affairs and would contact me back. On XX/XX/XXXX I checked my credit report via TrustedID ( which has been deleted and I currrently have no access to ), XXXX XXXX, and XXXX  which all stated that 6 Derogatory Marks, 9 accounts, and 85 hard inquiries were removed. I then called in and spoke with another XXXX XXXX and advised that all of my information has been deleted from my file. He then stated to me he could not by law reinsert the accounts and that I would have to wait until the creditors report it which is usually 30 to 45 days. On this same day XXXX calls back and I advised her that my file had been deleted and she argued me that it hadnt. I advised her the rep had just admitted that it was deleted. Nothing was done. The very next day everything had been reinserted even items that were previously disputed and removed. I checked TrustedID to view the report from XX/XX/XXXX that was once there and it had been deleted. That is in violation for FCRA due to not being notified of reinsertion. From then on I have NOT been able to view my Equifax credit report. I have twice been sent docusigns to send in proof identity and they still will not update my credit file to reflect my correct address. I have also requested validation of disputes and have been refused. Something need to be done about the practices of this company. This company can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian continues to report both my birthday, SSN and numerous addresses incorrectly. I have tried numerous times to dispute online, and via written complaint.

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