vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in  pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2018-02-12 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2018-02-12 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: FL

Complaint narrative:
My name is XXXX XXXX. It has been well over a year TransUnion and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.

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 2018-02-12 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: NY

Complaint narrative:
my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX social XXXX date of birth XX/XX/1959. equifax confirmation XXXX my complaint is that equifax office of consumer affairs that handles my credit file, i told them several times that the XXXX XXXX XXXX XXXX account XXXX is not mine it a fraud account with balance of XXXX that account supposed to been remove due to fraud. and also all the hard credit inquires that were not mine do to fraud. please talk to equifax to have the XXXX account XXXX remove from my credit file alng with all hard inquires do to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: FL

Complaint narrative:
My name is XXXX XXXX. It has been well over a year XXXX and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I applied to Wells Fargo Home Mortgage to assume the mortgage from my Dad 's condominium after he signed the title over to me. Wells Fargo 's made their conditions to close the Assumption impossible for the Title Company that I selected as my Settlement Agent to close the transaction. After my selected Title Company ( XXXX XXXX ) could not legally fulfill WF demands, WF also refused to allow a Real Estate Broker I selected to act as my Settlement Agent, even though Michigan law allows a R.E. agents or brokers to close Assumptions. I contacted other Title companies and a Real Estate Attorney to act as my Settlement Agent, and they all indicated they could not legally close the Assumption under Well Fargo 's conditions : to provide a Sellers Closing Disclosure prior to WF providing a Closing Disclosure. As a result Wells Fargo steered me to, in which I was FORCED to use a Wells Fargo 's Settlement Agent ( XXXX XXXX ) for the closing of the Assumption. Because my Dad is in the process of purchasing another home which requires his relief from this loan, I have been pressured to use Wells Fargo 's closing agent. Wells Fargo is also including a vague Servicing Fee Agreement for me to sign at closing, which has no list of of fees assessed in connection with the servicing of this Michigan 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 2018-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My account was disabled in XX/XX/XXXX, I've never been able to log in again : These are the latest coinbase emails ; XX/XX/XXXX XXXX Coinbase asked me to change my account password XX/XX/XXXX XXXX Coinbase told me that my password had been changed XX/XX/XXXX XXXX coinbase told me that my account has been restored at this point I tried to log in with my new password, and the site asked me to enter the Authenticator code from my phone., after several attempts, in which coinbase told me that the code was not valid, I decided to try again in the evening, thinking that maybe something was still to be verified. 
my Authenticator app was synchronized with the internet, and previously always worked perfectly. 
Arrived in the evening, I still try to access my account unnecessarily. 
XXXX XXXX Coinbase told me that my purchase limit had increased from XXXX euros to XXXX euros, but I did not ask for anything. 
XXXX XXXX Coinbase asked me to authorize a new device that had been trying to access my account for a long time, I do not speak English, and seeing Location : XXXX IP Address : XXXX Browser : XXXX ( XXXX ) I naively authorized Coinbase thinking it was referring to all the times I tried to access, and only later did I realize that the IP address was not mine, afterwards I did a search on the internet, and this IP address is connected here afterwards I did a search on the internet, and this IP address is connected here IP address : XXXX Address type : Public Hostname : Could not determine to hostname DNS lookup : No reverse DNS record found ISP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dedicated Servers Webserver : No XXXX XXXX Hi XXXX XXXX , On XX/XX/XXXX, you ordered XXXX ETH via your payment method for XXXX XXXX. 
When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. If you wish to make another purchase, please try again or add a new payment method. 
Unfortunately, we are unable to restart this transaction because it was canceled by your bank. If you have questions regarding this canceled transaction, please contact your bank directly. 
We apologize for any inconvenience! 


I have not authorized anything, either! 
XXXX XXXX coinbase told me this ... Your account on Coinbase associated with the email XXXX has been successfully deleted. 

Can you understand that Shock for me? that I had more than a bitcoin and a half? all bought regularly with my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
I recently received a letter from Financial Recovery Services , Inc., XXXX. XXXX XXXX XXXX, MN XXXX XXXX The letter is claiming that they are collecting a debt for a company I never had debts with. They are claiming I owe {$4700.00}, and the original credit is XXXX. I've never heard of that bank in my life. They say in the letter if I even attempt to dispute the debt they will obtain a judgement against me. This is my first time hearing from Financial Recovery, and first time hearing of " my original creditor '' XXXX. I feat to communicate with this company effectively because they immedaitely threaten with a judgement prior to communicating. The letter is worded in a way that says I can file a dispute but the office of Financial Recovery Services will immediately file a judgement against me which is frighting. I am unsure that this debt it mine as I have never had any credit with whomever XXXX is. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriCollect
State: WI

Complaint narrative:
I have a negative pay status hurting my credit and its been paid a year ago. Its a medical bill that wasnt paid, and went to collection. So its listed as " Other '' and not medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: UT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-12 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-12 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-12 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-12 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I paid a bill on my XXXX 's credit card early using my bank account. I also had autopay active from a different credit union account. Although XXXX 's autopay says that autopay will be adjusted not to exceed the statement balance, they nonetheless tried on XX/XX/XXXX to debit my credit union for the amount of the bill that I had already paid and owed nothing on. My credit union account did not ( nor did it need to ) have the funds needed to pay this non-owed amount, so I was charged both a {$27.00} fee by XXXX 's and three separate {$25.00} fees by my credit union. These fees were the fault of the XXXX  's credit card for billing me twice for the same bill. When I complained to XXXX 's on XX/XX/XXXX, they refunded my {$27.00} fee. It was only later that I discovered the {$75.00} in credit union fees XXXX 's had caused to be incurred, so I complained about these in another message dated XX/XX/XXXX. I was asked on XX/XX/XXXX to mail or fax them a copy of my credit union statement to request a refund. I did so. When I found no change had been made, I contacted them again on XX/XX/XXXX and asked for an update. They informed me that my request had been denied because they " do not refund overdraft fees '' ( although the fees in question were in fact return charges, not overdraft fees ). When I reminded XXXX 's that the fees were entirely their fault due to their mistaken billing of my account, they provided no assistance. The point of all this is that XXXX 's is at fault for billing my account mistakenly and causing fees to be charged to me and they will not make it right. Furthermore, if they were not going to help with this, they ought not to have requested that I waste time and postage mailing them a credit card statement that they were just going to throw away.

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 2018-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to XXXX XXXX as soon as XX/XX/XXXX to be place in a Forbearance. XXXX XXXX  failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Account number : XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX  120-149 days Late XX/XX/XXXX XXXX XXXX XXXX days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Numerous calls to my personal cellphone everyday.

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 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Numerous old collection accounts on my credit reports.

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 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.

Company response to consumer: Closed with explanation