vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Submitted a dispute to three credit reporting bureaus and company claimed the information has been verified. I have never had or opened an account with this creditor nor have I had an account with XXXX that was opened in XX/XX/2016 ( information which they falsely supplied to the credit bureaus.

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 2018-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
I opened the loan account with US Bank ( the lender ) in late XX/XX/XXXX. I set up auto-draft payments to be made on the first of the month from my XXXX bank account. The first payment due ( XX/XX/XXXX ) was never auto drafted. On XX/XX/XXXX I received a letter from the lender informing me that I had been reported to the credit bureaus because i had missed my first payment and it was now over 30 days past due. The day i received the letter I called the lender and ensured that payments were made in the past due amount and ensured that the account was both current and that auto-draft was set up and active. I never received a letter, a call, a text, or an email from the lender informing me that my payment was due, impending, tardy, or delinquent. The lender made absolutely XXXX attempt to contact me to collect payment prior to notifying the credit bureaus. Attempts to rectify with the lender have been unsuccessful. Attempts to dispute with the credit bureaus have been equally unsuccessful. This type of predatory lending allows lenders to negatively, deliberately, and maliciously impact the credit scores of consumers, thus allowing them to charge higher interest rates, and thus making them more money.

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 2018-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I dont know what this exactly is. I tried to open an account and got report from XXXX and Bank of America Missouri came up with an account that was reported for suspected fraud on XX/XX/XXXX. It further states that all amounts have been paid in full and closed on XX/XX/XXXX. I have not been in Missouri for almost 10 years. My Ex Wife lives there and dont know if she tried to open something. 

Bank of America Missouri XXXX. XXXX XXXX XXXX XXXX, MO XXXX RTN : XXXX Acct : ending XXXX Amount {$3400.00} Closure Status : Paid in Full I have never had any accounts with Bank of America during this time nor was I living in Missouri and am currently dealing with someone stealing my identity in XX/XX/XXXX. I have other accounts that were opened and was incarcerated in XX/XX/XXXX until XX/XX/XXXX. 
How can I have this removed so I can open a checking account? 
There is not any number to call or anything regarding this. Please Advise Thanks

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 2018-04-03 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: SC

Complaint narrative:
I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX   notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX  was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: NJ

Complaint narrative:
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX/XXXX  Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX  Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) XXXX XXXX XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX    XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 ) XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I receive letters from ditech finacial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. The letter say this communication is from a debt collector. It is an attempt to collect debt. I do not have any debt, I do not call their number, because they gon na make me crazy calling me. I want this company stop sending me letters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Please file the following documents on the CFPB case ( s ) XXXX and prior WFHM and XXXX case ( s ) as well as XXXX XXXX XXXX XXXX  case ( s ) XXXX and prior XXXX XXXX XXXX XXXX case ( s ) filed with the CFPB and other case ( s ) within the Federal Government in regards to XXXX discrimination complaints concerning housing. 

The attached {$50.00} returned check from XXXX XXXX XXXX XXXX, VA relates to pro-rated taxes XXXX XXXX XXXX paid on property address XXXX XXXX XXXX XXXX, VA XXXX in which she was forced out of in XX/XX/XXXX. This amount does not account for the premiums XXXX XXXX XXXX paid directly to WFHM that were utilized and accepted by the third party XXXX XXXX XXXX XXXX, VA in XXXX and thereafter. 

Also, please be advised that XXXX XXXX XXXX XXXX is preparing revised/false tax statements and the evidence is attached for XXXX personal property taxes. All payments can be verified through XXXX. This matter remains a XXXX discrimination case against WFHM, XXXX Bank, and XXXX XXXX XXXX XXXX against XXXX XXXX XXXX, an XXXX XXXX woman. 

XXXX XXXX XXXX will continue to allow the payments scheduled for prorated taxes to be paid to the county of XXXX & XXXX to further support her claims against housing discrimination based on race ( XXXX XXXX ) because this property WAS NOT voluntarily surrendered.

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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
In XX/XX/XXXX I was informed by XXXX XXXX that LexisNexis was showing a claim history for me ( including a {$31000.00} claim in XX/XX/XXXX ) that forced them to decline me homeowners insurance. 

I contacted LexisNexis and found out that they had mixed the records of an XXXX XXXX XXXX with mine ( XXXX XXXX XXXX ). When I asked them to correct this they told me they had 30 days to investigate even though the XXXX XXXX lived in another state and had insurance with a different Insurance company ( XXXX ). Claim number XXXX was assigned Despite dozens of calls and promises that they were expediting their investigation nothing happened. The " fix '' was as simple as getting the other persons social security number to confirm what I told them. I supplied the other persons phone number, address and insurance company as well as people at XXXX who could also have separated our records. 

LexisNexis may be a company most firms rely on but as far as I am concerned they need a big slap on the wrist for careless reporting and then a incredible lack of judgment and concern for their negligence. 

Recently they removed that XX/XX/XXXX claim from my file while incredibly leaving other claims for that same individual in my file. How can this company be allowed to operate when they can't separate two people who don't even have the same name. How many red flags do they need? 

This has cost me hundreds of dollars in insurance premiums as the insurance policy I was quoted became unobtainable. In addition, I have spent dozens of hours and endured frustrating discussions with poorly trained employees I would like them to be fined and I would like to be compensated for their negligence Anyone in my shoes would understand that LexisNexis needs to retrain employees as well as overhaul how they collect, record and file information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.XXXX, Experian, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : XXXX XXXX ( closed ) $ XXXX XXXX XXXX  XXXX XXXX $ XXXX-XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX- $ XXXX XXXX XXXX {$560.00} .

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 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Applied for a CitibPriority account and was approved over the phone. I subsequently provided evidence of signiture and they, without prior warning, closed my account. This happened while applying under a mailed ad for American Advantage miles which the bank clearly didnt intend to grant.

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 2018-04-03 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: SC

Complaint narrative:
I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!

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 2018-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion to advised them i was a victim of their inquiry issue and the representative advised me that based on their information they would not help me take care of the negative inquiries reported on my credit report. I never gave the following companies authorization to run my credit ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX/ XXXX XXXX ( XX/XX/XXXX ). The representative was short and didnt want to help me rectify my problem. I thought the credit bureaus werw here to help, but it appears that they rather then keep you as a victim of poor credit because they PROFIT more from those with BAD CREDIT.

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 2018-04-03 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: WA

Complaint narrative:
Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report.

A few months ago, I found a new address in Minnesota listed on my Experian report, which it says it got from XXXXXXXX XXXX. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that Experian refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and Experian just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.

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 2018-04-03 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: Riverwalk Financial Corporation
State: TN

Complaint narrative:
I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I created a Coinbase account in late 2017. My identity was " verified '' by them on numerous occasions. Despite this, I can not access my funds because Coinbase continues to say that I need to verify my identity. I have congratulatory emails from them stating that my identity has indeed been successfully verified. I've sent multiple emails to their support team only to get back an auto response telling me to keep trying to verify my identity. On their own site it even shows that my identity has been successfully verified. I'll attach a screenshot. At this point I just want to close my account and get my money back but I can't even do that. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: U.S. BANCORP
State: GA

Complaint narrative:
There are multiple credit inquires without my knowledge Us Bank XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
After being told I had to provide ACH authorization to get a loan, I was told I was unable to revoke it.

The FDIC and CFPB both state you should be able to revoke an authorization.

This company uses a loophole in Ohio law under a mortgage act to use these deceptive tactics and predatory lending practices. Their interest rates are in excess of what Sate of Ohio lending laws are supposed to provide.

Their true nature is not revealed until after you can not get out of the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation