vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 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: MOHELA
State: CA

Complaint narrative:
They are reporting late payments and they are unable to back up the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: AZ

Complaint narrative:
Please review the attached documentation. Im a victim of identity theft. The following collection account is on my XXXX and Experian credit report. The following collection account is fraudulent and not my account : XXXX XXXX, XXXX, XXXX. I being receiving harassing and threatening phone calls of profane language, death threats, arrest, and imprisonment from XXXX XXXX representatives for a fraudulent account and, debt that I dont owe and dont belong to me. XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent collection account. The police report case number is : 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 2018-04-24 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 submitted a dispute to Equifax on XX/XX/XXXX. I have confirmation of the receipt of this dispute from the post office and Equifax. This dispute was for XXXX XXXX Account number XXXX. Equifax opened the investigation on or about XX/XX/XXXX-XX/XX/XXXX. They were unable to verify as this is not my account. I have submitted documentation and police report as well to this affect. As of today, XX/XX/XXXX Equifax has re- opened the investigation, which is now allowing an additional 30 days to verify the account. This is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX we mobile deposited a refund check from XXXX XXXX to wellsfargo for XXXX. 
We inadvertently mobile deposited the same check to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX returned the check as already cashed. Then on XX/XX/XXXX wellsfargo removed the amount from our account. The check shows cleared by wells fargo from the issuer XXXX XXXX. The money was not returned to the XXXX XXXX and the only response from wells fargo after numerous calls and two claims is they did the right thing by removing the money from our account and accused us of committing fraud. We are unable to get an answer as to what they did with the removed money and did not return the check to the issuer. The only response we get from them is that the check was cashed at another bank. which it was not it was returned as already cashed. They refused to trace the check. The issuer still shows it clearing wells fargo.

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 monetary relief
Consumer complaint received 2018-04-24 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:
On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All f the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX/XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. A fraud alert has been initiated on my account for months now and unauthorized inquiries are still being pulled on my credit. They are XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When I opened this Credit card I did just by myself after I decide to add my ( wife ) at that time as a user she never sign with me as cosigner when get divorce I started receiving mail offers on both names, I called to inquiry why her name was on it and i was informed that she was a co-owner of the account ; I asked to investigate and remove her from this account since i was 100 % sure she never signed any Credit Card agreement with me they send me a form to remove her from the account even though she wasn't supposed to be there I asked her to sign the form and I fax it to Bank Of America time pass and i never got any response so i thought everything was ok, couple weeks ago she went to BOA to inquiry about a balance transfer and they told her she can use this account, when I saw this I immediately call them and explain the whole history again, they open a investigation and after some time the balance was put it back into my account whitout any notification until after i called. Called again and explain that this wasn't my fault but BOA since they just add her into my account without my knowledge and asked them to provide me with a copy of the card agreement to see if she ever sign any paper related to this account ; i was told if i want this I have to subpoena, i called again asking if i can speak with a manager this time the rep told me she was going to request a deep investigation and I told her to please notify me if they need any information ; 4 days later I received a notice that reads ( Unable to locate the application record base ) we regret we are unable to resolve this in your favor.. So know am stuck with a balance that doesn't legally belong to me and of course if I dont pay it my credit will be affect it. Am no trying to walk away from my financial responsibility, if she cosign with me I will accept it. But at his point I don't know if BOA will add someone else to one of my accounts and later I will be responsible for someone I don't even know ... Do I have to take their word for granted?

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 2018-04-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute to Experian about a bankruptcy that does not exist. I sent in the proper proof and they said that they verified the bankruptcy with the court. I reached out to the bankruptcy court and they told me that they do not verify bankruptcies with the credit bureaus. I asked him to explain to me how they verified this bankruptcy and they told me that the credit bureau told them that a bankruptcy did exist. I have proof from XXXX that there is no bankruptcy on my reports and also I have a letter from the bankruptcy court saying that they do not verify bankruptcies. They are violating the Fair Credit Reporting Act.

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 2018-04-24 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: GA

Complaint narrative:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX 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 2018-04-24 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:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX  XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX 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 non-monetary relief
Consumer complaint received 2018-04-24 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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : RVCL PER  MNG XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX 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 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I previously sent Porfolio Recovery Associates a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. During my request of proper debt validation with Portfolio Recovery I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
This company preys on those who are already in a bad situation and in need of assistance and they claim to do something but i have not gotten anything taken off of my credit report and pne of my creditots was a hospital e.r. visit and i called my health insurance carrier and found out I was covered that whole year so I asked if this credit repair agency XXXX XXXX XXXX could get the invoice number so I can get this taken off my credit it's been I don't know 3 weeks or something and nothing 's been done and they charged me a hundred and something dollars and when I try to do the chat window I said on this waiting waiting waiting waiting window for I don't know how long 45 minutes or something finally I just hang up you know I have to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have two fraudulent inquiries on my credit report from Walmart that they refuse to have removed every time I call them they say that they sent the paperwork to XXXX ... I contact XXXX and they say they can not remove it without a release from Walmart ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my XXXX credit report that Walmart will not remove ... but they say they send request to XXXX ... but again the inquires are still there

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to get the advertised annual free credit report from Transunion online. The page said there was technical difficulty. I tried calling the number on page. They would not get a look at the report. Going through other credit reports I found that my ID had successfully been used to get credit. I reported to FTC. I gave trans union report number. They would not and will not let me get an emailed report or online access to it. My ID is currently, actively being used to gain credit fraudulently. They will not help. They keep giving me numbers of people who, in the company claim they can not help me see the online report today, and always, always, want me to open 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 explanation
Consumer complaint received 2018-04-24 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: Mobiloans, LLC
State: FL

Complaint narrative:
I have credit monitoring. I was alerted that there was a hard inquiry on my report XX/XX/2018. I checked the company out & dont recognize it. Nor have I applied for anything recently. I called them & they offer no help & can't tell me anything. I want to know who used my social to try & get a loan & i want the inquiry removed.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-24 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXXXXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, sent a letter which was received on XX/XX/18, being the first communication with the company claiming it was collecting on claimed debt, on behalf of Indiana University. They claim a total debt of {$5200.00}, which I plan to fully dispute. As of Today, XX/XX/2018, I have not received a written notice containing information of a 30 day period to write the collector back for validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 809, ( a ) Notice of debt ; contents, Subsections 3 through 5. The initial communication letter did not contain the proper notice either. I have not taken any action as of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I bought {$700.00} of Bitcoin using the coinbase app. A {$100.00} and a {$600.00} transaction.

They double charged my checking account resulting in a {$1400.00} charge. When their customer service finally responded to me they told me to file a dispute with my bank. I did. My bank gave me the {$700.00} back, leaving me with my initial {$700.00} still left in Bitcoin. Everything was well.

On XX/XX/XXXX and XX/XX/XXXX, coinbase took {$700.00} worth of Bitcoin from my account and sent it to themselves. 

I have been trying to reach them ever since so that I could get my money back. The remainder of my initial investment is still in Bitcoin and I would like to withdraw now. One issue is that {$700.00} they took is now worth over {$1000.00}. They took XXXX worth of Bitcoin from me for no reason and I need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: DE

Complaint narrative:
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: DE

Complaint narrative:
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

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