vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XX/XX/2017, XXXX XXXX XXXX - Banking did a charge off on a balance and closed my account. The account is listed as closed with Experian. However, XXXX XXXX  has submitted a new charge off for the same one-time charge off monthly since XX/XX/2017. My credit report says there are XXXX separate and distinct charge offs. XXXX  decreases the amount on a regular basis and submits it as a new charge. It has prevented me from getting credit and employment. I contacted XXXX  with copies of the Experian report as well as emails from XXXX  showing that I tried to pay the balance. The materials were forwarded to the head loan person. I received an email requesting the same information I had sent. I have not heard from him since. I spoke with Experian. The representative said they are all new charge offs. Can XXXX take one charge off and list it as XXXX separate new charge offs monthly for several years?

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 2021-04-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
NCA - national credit adjusters, called me stating I owed a debt. In the verifying process the items verified as, my phone number and address did not match their records. Although the agency did have the last 4 of my social and date of birth right. The other items did not verify me. This is a concern, to me I have not pulled my credit until recently. I am not aware of this debt and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
I filed a claim with Wells Fargo concerning an unauthorized check deposited to my account from a location where I was nowhere near. Money was withdrawn from that account in the amounts of {$2000.00} and {$500.00} on XXXX. I called Wells Fargo to report this and I received a resolution on a claim about the deposited check but not about the 2 transactions mentioned above. They have now closed the account and I have tried to find out more information from customer service but they refuse to help me without a reference number that I did not receive in the mail.

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Westlake Services, LLC
State: TX

Complaint narrative:
For the past two years I have been attempting to remove west lake financial services from my credit report. First date of dispute, XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX. XXXX XXXX XXXX do not report it on my credit but somehow XXXX does. When Ive disputed the account being reported on my XXXX  credit I have informed the agents assisting that it doesnt belong to me. Recently on an urgent attempt I have submitted documentation to support my argument because Im in the process of getting a mortgage. It shouldnt take more than two years to get something removed that doesnt belong to your credit. Current account balance {$16000.00}.

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 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX my XXXX was deposited to my Bank of America account. I was able to withdraw {$1000.00} at which point my account was frozen. I called customer service and was told to go to a branch and withdraw my money. I went and was told I must wait 24 hours so I did at which point I went to the bank and was told I must now wait 5 days for them to decide whether they were leaving my account open or closing it. At this point my ppp money meant to save my struggling business is locked in an account. This bank should be out of business the way they hold peoples money whenever they feel like and make you wait until they feel like giving it to you

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 2021-04-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed items off of my credit report due to inaccurate information to both XXXX  and Experian. Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.

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 2021-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX and XXXX I was told by my credit card company the late payments would be removed from my credit because my account was closed due to a misunderstanding and the account is still open. Also I wasnt sent a bill but Transunion XXXX XXXX  refuse to adjust my report

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 2021-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed items off of my credit report due to inaccurate information to both TransUnion and XXXX Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.

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 2021-04-16 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts are reporting inaccurate XXXX  days late. I was never XXXX  days late on the following accounts : XXXX XXXX XXXX XXXX days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020

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 2021-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts are reporting inaccurate XXXX  days late. I was never XXXX days late on the following accounts : XXXX XXXX XXXX XXXX  days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX XXXX reduced my available credit by almost XXXX % without notice to me, and apparently based its determination on its unauthorized review of XXXX of XXXX credit reports, despite that all reports for me indicate, that as I have with PRV, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a XXXX  practice that I XXXX they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the XXXX XXXX  nature of its actions. When I spoke with the company today XXXX XXXX XXXX, they explained to me that they accessed XXXX of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid XXXX of my bill off. This is going to go down with the XXXX loans made for mortgages if it's allowed to continue. Notice.

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 2021-04-16 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: I.C. System, Inc.
State: AZ

Complaint narrative:
In XXXX the account in question with XXXX XXXX XXXX was verified after a dispute. I contacted the XXXX, XXXX and XXXX bureaus to remove the dispute remark since the account was verified. I.C. Systems continues to report to the XXXX credit bureaus the account is in dispute. I spoke with XXXX managers on XX/XX/XXXX and they informed me they can not remove the dispute remark because I had disputed the account in the past. I told the manager that their reporting was inaccurate because I was no longer disputing the account and the account had been verified. XXXX XXXX the manager ) specifically asked me if I was no longer disputing the account which I responded " that is correct ''. She continued to refuse to update to the credit reporting bureaus that the account is not in dispute. I specifically requested an XXXX update to delete the dispute coding and verbiage from the account. The manager insisted they can not do that even though I had verbally verified the account. She stated the only way the dispute remark will be removed was to settle the account ( pay the debt ), and only then my account will be updated. My response to her was they are free to continue to attempt to collect the debt ; however, they are illegally reporting incorrect information on my credit reports that is affecting my ability to get a home loan due to the dispute remark. Additionally, telling me the only way to remove the dispute remark was by paying the account was 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 2021-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.

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 2021-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE.

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.

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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Late night XXXX XXXX morning XX/XX/2021 there was an unauthorized transaction in my XXXX account. All of my XXXX ( around {$17000.00} usd ) was converted to XXXX XXXX and then was being transferred to an account I did not recognize. I cancelled the transfer and converted the XXXX XXXX back to XXXX. I had to pay XXXX fees for the unauthorized conversion and to convert back and I lost money due to a change in the currency values. My total loss for this unauthorized transaction is around {$500.00}. I reported this to XXXX and they have since locked my account. They keep sending the same message over and over please complete the following steps to restore access to your account. I follow the steps but they will not restore access and they have no live customer service via phone/email/chat. XXXX weeks later Im still locked out of my account. Ive included an attachment to show the only communication Ive received is the same email over and over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the last XXXX plus years both Transunion and XXXX have been reporting incorrect accounts ( many that are inaccurately reported wrong under FCRA guidelines XXXX, XXXX addresses, several wrong names, Charge offs and many other things that are both incorrect and/ Or do not belong to me at all. I Have contacted them countless times, including the XXXX methods of identification as needed and they have completely ignored my request stating that things were verified without doing any due diligence to verify anything. As part of y request I have asked how these things were verified and instead of responding they ALWAYS send me a generic letter saying that I need to verify my ID with XXXX forms, although I already sent everything they need to verify. They always do this and have never fixed any of the problems. The only Company that has done due diligence and fixed the problems has been XXXX  and they are the only company that is reporting my report accurately. At this point they are causing me alot of damage as I have been turned down for a job and denied prequalification for a home because of these false reports that they are furnishing. If this matter can not be settled soon I have full intentions of legally pursuing these matters in court. I would really appreciate your help as a final step before suing. attached are my XXXX most recent letters that were either ignored or forwarded back requesting Identification.

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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
This is a XXXX XXXX issue among others. Please just forward to appropriate agency for review of company. I do not need anything. It was just difficult to do business with the company, I paid off the loan. 
The companys automated payment system has limited capability. Toward the XXXX of the month you can not get through to make the payment. Because of this your payment isnt necessarily made on the XXXX. They did reverse the late fee for me. 

I expressed mailed my payoff ; the mortgage servicer received it on a Saturday XXXX but did not credit it until Wednesday XXXX. When I mentioned this to staff, nothing was done. It is a XXXX XXXX  violation. 

Finally, they did not honor an assumption from a prior servicer. Luckily it was my parents loan ; I assumed it. So I had the death certificates etc when I had to deal with stuff like an escrow refund made out to the wrong party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXX  OH,XXXX XXXX XXXX XXXX XXXX OH,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