vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 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:
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX  , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

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 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: TN

Complaint narrative:
I had previously submitted a dispute with Merchants & Medical on XX/XX/2017 in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided which violates the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I try to buy a cruise and it did not go through on XX/XX/XXXX, I closed the website and reviewed my email and there was no confirmation or charge in my acct then later I bought another cruise. On XX/XX/XXXX both charges were on my credit card. I called Wellsfargo and explained the situation and they start a dispute, I received confirmation on XX/XX/XXXX, on XX/XX/XXXX I have a 3 way call with the cruiseline and wellsfargo and the cruise line did not want to refund my deposit and sent wellsfargo the  confirmation the cruise line send me 14 days later of a charge that never went through, Wellsfargo credited temporarily my acct on XX/XX/XXXX, on XX/XX/XXXX I received another email from Wellsfargo-XXXX XXXX XXXX telling me that the dispute is on XXXX Arbitration and can not warranty the outcome and it is going to take another 60 days. While all this is happening the cruise agency is telling me that I can lose all my money XXXX if I do not accept losing XXXX now. Wellsfargo is telling me that I have to wait 60 days to hear a result, I told them the situation with the cruise line and they just say that there is nothing they can do that I have to wait even if the outcome is losing all my money, I asked to explain XXXX the situation and let them now this situation is time sensitive without any result.

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 2018-02-16 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX  and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I wired {$100000.00} to Coinbase.com ( FDIC INSURED ), got an email on the same day saying my wire was being rejected because of a name mismatch and will receive the money back in 7-10 business days. Since then I have been writing, calling and making support cases on their website. I only got 1 computer generated response on XX/XX/XXXX, saying we will look into it. No further progress. 

This time period has caused me tremendous damage and I am paying 6 percent interest on the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TN

Complaint narrative:
Hi, I am responding to the letter from Franklin American Mortgage Company C/O Central Loan Administration ( FAMC C/O CENLAR ) drafted on XX/XX/XXXX ; postmarked XX/XX/XXXX ; and received on XX/XX/XXXX and the letter from Insurance Processing Center ( IPC ) drafted on XX/XX/XXXX, postmarked XX/XX/XXXX, and received on XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. However, FAMC has delayed reviewing this information. Initially, my insurer used the incorrect dates for insurance policy for my property. I requested the dates on the coverage be corrected on XX/XX/XXXX, prior to closing on the condominium ( condo ) on XX/XX/XXXX. The corrections were not completed. I followed up on my request for correction on XX/XX/XXXX. The corrections were not completed. I followed up a third time on XX/XX/XXXX, and finally saw some movement to make the corrections with an initial policy starting XX/XX/XXXX, to XX/XX/XXXX, and the current policy from XX/XX/XXXX, to XX/XX/XXXX. My insurer completed the required tasks on XX/XX/XXXX, and sent documentation to FAMC C/O CENLAR. FAMC C/O CENLAR & IPC did not review documentation prior to sending threats to charge me for insurance that " may be signficantly more expensive. '' On XX/XX/XXXX, I filed complaint XXXX with the CFPB due to IPC threatening to charge me for insurance that was already obtained. IPC did not make any effort to review documentation of the insurance on file before sending a threatening letter. Unfortunately, the prior complaint did not correct IPC 's practices as the XX/XX/XXXX, letter claims they " plan to buy insurance for [ my ] property '' without any reference to the insurance coverage on file with FAMC.

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 2018-02-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: GA

Complaint narrative:
i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: GA

Complaint narrative:
i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and account.

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 2018-02-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This company has completely ignored my dispute to delete addresses that are not mine. I have disputed this for the past 9 months with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Purchased XXXX litecoin on XXXX-XXXX-18 Before hitting the button " confirm purchase '' my total was XXXX. 
I have purchased litecoin before from coinbase and received it in minutes. 
After 18 hours of my order still pending I decided to check my bank statement ... 
I was first charged XXXX $ then hours later I was charged another XXXX, and then another charge for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a charged off account with XXXX XXXX about delinquent payments, I contacted them prior to the late payments and explained my situation. I applied for the card a week after I turned XXXX, which is also 4 weeks after I had my XXXX and XXXX  child. I told them I was struggling hard being only XXXX and a single mother. I explained that I wasn't able to pay and they refused to work with me. I'm XXXX now and I emailed the CEO once again, 5 times again before I gave up. tI recently emailed the CEO of capital one, About 3 weeks later I got a response in the mail saying they refused to help me. I begged him for a second  chance. I'm young and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: St.John Cobb Inc
State: NC

Complaint narrative:
Harassing phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Harassing phone calls

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 2018-02-16 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: 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 or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.

Complaint narrative:
In XX/XX/XXXX I was charged XXXX euros for no reason by Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt from me ( XXXX XXXX XXXX ), for Check into Cash INC . I have no knowledge of a recent Payday Loan with Check into Cash INC . I am requesting that Check into Cash INC send me their DOCUMENTED COMPANY proof/verification of when I OPENED this account, and the DATE the account FIRST became DELINQUENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16 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: 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 or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: 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 or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

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 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well Hello! 



my name is XXXX XXXX XXXX and I am a consumer at Wells Fargo Bank. In XX/XX/XXXX I started to notice a few unauthorize transition and immediately filed a claim on this matter. XX/XX/XXXX and XX/XX/XXXX was just horrible for me. Not only did i see a boat load of unauthorized debit transition but many many atm withdrawal with my account. The claims department told me to fax over documents and police reports so we could put a stop this, order new debit cards, and that still didnt solve the issue. My online info was stolen as well. roughly 6k is uncounted for and Wells Fargo is sending me through the wringer for it and blaming me for my account being fraud5. They not only embrass me and family their branches, but they reverse all the claims and closed my account due suspicious activity. In result all of this my daughter boy was the one who stole everything from me including vauble items out my home over the holidays. He admit to stealing my debit card out my purse at night and put it back in before i would wakeup in the mornings to law enforcement. my money is stuck in limbo and Wells Fargo Loss Prevention is so unprofessional and lack customer services. They refuse to continue the invesgation and claim they have atm footage of the suspect. I can't pay my bills this month of all the reversal credit claims out my accout. Please stand with me and let 's resolve this together. 


with love 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