vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC
State: IL

Complaint narrative:
I reviewed my credit report on XX/XX/18 and I seen an inquiry from a company called XXXX XXXX XXXX  a finance company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX and its showing as an inquiry and I never applied for any credit from this company because I am in bankruptcy so how they showing an inquiry from me has me as a lost, please remove this inquiry and all of this other negative information because I have never applied for any credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  SC XXXX. HAS AN ACCOUNT THAT HAS BEEN ON MY CREDIT ACCOUNT SINCE XX/XX/2016 IN THE AMOUNT OF {$1400.00}. I HAVE DISPUTED THIS AND IT YET REMAINS UNINVESTIGATED AND UNCHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
XXXX XXXX WAS THE ORIGINAL DEBT AND WAS PAID SHORTLY AFTER WE RELOCATED IN THE AMOUNT OF {$560.00} ON OR ABOUT XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
coinbase.com has prevented me from accessing my account. Has been making me resubmit my documents, which I now do not trust them with. They have frozen about 1k in Bitcoin. They refuse to give me my crypto back. They refuse to let my college open an account and put my crypto into his account or a company account. Shortly after uploading my documentation when I started my account. My identity was stolen and the individual who was using it, used to work for coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account HARLEY DAVIDSON FINA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that HARLEY DAVIDSON FINA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX/ which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself buXXXX XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: OR

Complaint narrative:
Hello ... ... I have two XXXX credit accounts. One of them previously had a credit limit of {$900.00}. The other I'm not having a problem with.

Last XX/XX/2017, I received a letter from XXXX ( XXXX XXXX  ) that my account credit limit had been lowered to {$100.00}. I was surprised because I had totally forgotten that I had the second XXXX account. I was puzzled as to why the credit limit was lowered so much. I always pay my XXXX balance off. I called the company and it was disclosed that there was a very low balance of {$30.00} ( approximately ) that was past due. I had signed up for online statements and had not received a bill for the {$30.00} ( approximate amount ) balance. Once I found out about the balance I immediately paid it off.

I asked if the account credit limit could be re-instated. I was told that yes, within a couple of weeks it would be. A couple of weeks later I looked to see if XXXX had followed through and they hadn't. I called again and spoke to a supervisor. I was told that I had been given inaccurate information and that XXXX would not be reinstating the {$900.00} credit limit. I was quite upset. It seemed that there wasn't much I could do, so I moved on. Now I see that XXXX has reported that account to the credit bureau and it's a negative mark on my credit report. I have no idea why XXXX is doing this. I've decided to ask again and believe I deserve to have the {$900.00} credit limit reinstated. I didn't do anything wrong!! XXXX messed up by not sending me my bill ; they then lowered my credit limit from {$900.00} to {$100.00} without any warning that there was a small past due balance which was paid off immediately once I found out about it. Now it's a black mark on my credit report? I want this problem corrected by reinstatement of the {$900.00} credit limit.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
I XXXX XXXX am trying to reorganized my financial situation without filing for bankruptcy protection. I therefore believe that over the next few months I can resolve a great deal of my debts through negotiations, and I need a modification package emailed to me as soon as possible. I request that all phone calls to me cease immediately by AmeriHome Mortgage, and that I receive a modification package to start on that process immediately and be protected from foreclosure proceedings under my protective rights with the addendum Fair Debt Collection Practices Act of 2014. Accordingly, I request this modification package immediately and I will explain in great detail my plan to get my affairs in order without bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CT

Complaint narrative:
I requested that Discover Card remove my husband from my account, as I am the only responsible party. I am trying to get myself out of debt, and I can only do that by negotiating with all of my creditors across the board. I respectfully request that Discover Card accept a one-time settlement of {$4000.00} of which I will borrow from a relative to resolve my debt in full. I have submitted this request through the CFPB to guarantee that my rights are protected under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I XXXX XXXX have a mortgage along with my mother with Wells Fargo Home Mortgage. My mother is completely out of the equation right now as she is nearly XXXX years old and living in a XXXX XXXX. When I was out of work from a serious medical condition, I had nobody to help me with my obligations. However, my house went into foreclosure and I was told that my only remedy was to file a Chapter XXXX bankruptcy petition. I realize that the filing might have been a short tern solution, but I believe that as a member of the XXXX community who has lived within the law all of her life, that I was abusively mistreated by Wells Fargo Home Mortgage. Once I was back to work my mortgage could have easily been restructured. However, I was treated badly by representatives of Wells Fargo even though I should have been granted a modification with a forbearance included. I hereby submit my protest through the CFPB, so that I can have it posted on public record that as a member of the XXXX community I was bullied into a bankruptcy that was totally unnecessary. I desire to dismiss my Chapter XXXX and open a line of communications to restructure a true modification under my protective rights with the Fair Debt Collection Practices Act. I am requesting a full QWR on my property indebtedness to find out the true ownership of its note, and I intend to file a formal complaint with the FDIC within the next week. I demand a full review of my file and an assignment of a qualified loan officer to help me restructure my mortgage serviced by Wells Fargo Home 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 2018-08-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: SC

Complaint narrative:
On Tuesday XX/XX/XXXX at XXXX I check my card balance i knew I had XXXX $ to my name but jus wanted to be sure but when I checked it it was sayin that I have a pendin charge of XXXX $ and honestly dont kno wea it came from cause I have not spent anything.

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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account GOLDEN 1 CREDIT UNIO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GOLDEN 1 CREDIT UNIO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-22 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I paid off account over a month ago and have asked the company to update my credit report. When I file a dispute with the balance with the credit bureau, the company keeps stating that the balance is correct. The balance is XXXX. They will not report that this account is paid off. I told that I need this done for other financial reason. Company will not assist me with this. I asked when I paid off when will this be reported. I was told at the end of the month. The end of XXXX has passed and it is almost the end of XXXX and the company has still not updated my credit report. It only took two weeks for them to report that I had a loan with them but they take their time in reporting that the loan has been paid off. I need this off my debt ratio.

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 2018-08-22 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: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Alliance Collection Agency received a bill to collect on me, which was {$1500.00} at the time, from my dr. /hospital. and they contacted me and tried to get me to pay them an amount I couldn't afford. Instead, I pay a smaller amount every month to them. The bill they send me is for the full amount every month since. I was notified the other day that Alliance took the {$1500.00} bill and broke it up into 7 smaller bills and reported them all to my credit report with the same dates of service, in otherwords, the same bill they send me every month with the full amount. They are sending little bills to the reporting agency and a huge bill to me. How shady is that? Is this even legal? Why would they do this to me. I might not be paying the huge amount they wanted, but I am paying what I can each month. Why would they do this to someone just to ruin their credit? What can be done? Please help.

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 2018-08-22 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: MI

Complaint narrative:
I sent a letter to both equifax and XXXX XXXX XXXX. I have two accounts on my credit report that were included in my chapter XXXX bankruptcy. They are not reporting that way on my equifax report. I've sent court documents that show the two XXXX XXXX XXXX  accounts as part of my chapter XXXX bankruptcy. Both equifax and XXXX XXXX refuse to fix my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a collection account ( XXXX XXXX XXXX ) that is placed on my credit file that is not accurate. However, I can not dispute the information with the company because the address listed is not correct. 

Since the information listed by the credit reporting agency is inaccurate it must be deleted by the reporting agency. However, after writing two letters to Equifax, they have ignored my letters and continued to keep reporting the inaccurate information in violation of federal law ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2018, I deposit a money order that I received from my tenant and payment has been placed on hold until XX/XX/18. Money order was purchased at a postal service office in PR. Bank refuses to liberate fundings. Currently I am unable to make a XXXX XXXX credit card payment and I have only {$170.00} in the account that I can not use or additional fees will be applied. The money order has been treated as a check despite been purchased at a postal service. This is a violation of CC rules. The bank is Bank of America. I am concern as my tenant bounce 2 checks previously, this impacted my account. T thought asking for money orders will solve the problem. This situation proved otherwise. I just need to have access to my money to be able to pay other bills and have daily living money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a complaint against Fifth Third bank on XX/XX/XXXX complaint # XXXX. Fifth Third responded on XX/XX/XXXX with no explanation for freezing my bank account without doing any investigation of funds, The funds are clearly protected funds I have no other source of income. Fifth Third banks failure to research and do a 60 day look back and review my accounts has cost my family thousands of dollars. I am supporting XXXX minor children on a fixed income after my wife past away on XX/XX/XXXX. I am also on XXXX. Fifth Third neglected banking duties. Costing my family thousands of dollars in legal fees. This all could of been avoided if Fifth Third did a  investigation before freezing the account. Fifth Third Bank has not taken any responsibility to my complaint # XXXX and has not offered any resolution to miss management of my funds.

Company response to consumer: Closed with explanation