vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stewart Information Services
State: IL

Complaint narrative:
I REFINANCED MY HOME WITH XXXX XXXX XXXX  IN ILLINOIS. 
THE OWNER IS AN ATTORNEY BY THE NAME OF XXXX XXXX. 
HE KEPT MY ESCROW MONEY IN THE AMOUNT OF {$160000.00} AND NEVER RETURNED IT. 
THE COMPANY GOT SHUT DOWN FOR FRAUD. XXXX XXXX, WHO WAS THE UNDERWRITER, WAS NOT RESPONSIBLE TO ME BECAUSE XXXX XXXX WAS COMMITTING FRAUD. THE ESCROW ACCOUNT HAD MILLIONS OF DOLLARS IN IT WHEN IT WAS SHUT DOWN. XXXX STILL PRACTICES LAW TODAY AND LET HIS WIFE GO TO JAIL. 

HERE IS DOCUMENTS FROM MY LAWYER XXXX LIED AT TRIAL IN MY CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.

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 2018-04-25 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:
From XX/XX/2018 till XX/XX/2018 from my Wells Fargo checking and saving accounts were withdrawn and made transactions in amount of {$7200.00} in XXXX. I have not withdrawn money and have not made those transactions. Plus, I have never given permission to withdraw money and make those transactions to someone else. Also, I live in the United State and have all legal documents to work here. I pay taxes and I am a decent man, but my legal status does not allow me to leave The United States of America. That is why I could not be outside of the country and spent money there. In the period of time when the money was withdrawn and transactions were made, I did not use my debit card and did not check my online banking account, and I had no idea about the withdraws of money and transactions. Wells Fargo Bank refused to refund stolen money on such grounds the bank actually accused me of a fraud which is a criminal offense. Please help me resolve this problem and get my money back. Thank you very much!

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have been repeatedly called by XXXX XXXX through a computerized autodialing system. I have attached a file showing all calls I believe were from them ; In the file you will see where I received multiple calls a minute a part and also calls received before XXXX. When I answered these calls, the other end would be silent then the call would end. Many calls later, I decided to confirmed with XXXX, the original creditor, that my debt had been outsourced to XXXX   XXXX. Next, I returned the call to the collection agency on XX/XX/XXXX ; after being told the call was being recorded and the amount owed, I asked where in my contract with the original debtor did I give permission for them to repeatedly robocall me. They would not answer my question so I requested to speak with the supervisor. I repeated this question to the supervisor, and she responded that the contract did not give permission for them to do so. I then asked, " Then when was permission given by me? '' She responded that today was the first time they spoke to me and that I haven't given permission. Next, I asked, " then why am I receiving illegal robocalls? '' She stated an automated system makes these calls to everyone until they are told not to and that this is legal until first contact. This conversation showed not that these calls were a mistake but that they willfully harass all consumers that they are trying to collect a debt from this way. They harassed me in various ways and lied about my consumer rights.

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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I've told this company in the past to stop calling, they were calling for the previous owner of the number. I've owned this number for four years now. That person used to get alot of calls. I'm starting to get them again for the past 2 days and have blocked two different last four digit phone numbers. Both are robocalls. 

I don't have the previous information any longer, however, the last two days : XX/XX/2018 at XXXX XXXX XX/XX/2018 at XXXX XXXX I know for a fact, since I check my credit, that I do not owe anything outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello dear Cfpb I applied Gold Card with barclays when i called to ask status i was asked to supply verification documents which i did, after couple days i called to get information about status of my application. I was very disappointed to be informed my application was turned down even though i have flawless credit and very good relationship with Barclays Bank and i have great income. I asked to speak manager his name was XXXX with operator ID number XXXX he asked me about why i have inquires so many and i respond that its not accurate i do not have inquiries at all and in fact i did not have any in my XXXX  credit file until you pulled it and placed hard inquiry in my credit. Long story short i think there is some bias and double standards with this bank and i want fair resolution please. 

Thank you Best Regards

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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
I recently noticed a credit inquiry made to my report by Credco on XX/XX/2016 that I did not authorize. I contacted XXXX XXXX XXXX to inquire on why there was an inquirie to my report a year and months after I had, had any dealings with this company without my consent. I was advised that they did not pull my credit however my report states otherwise. This is a tote the note car lot and as many know when you have not so good credit or no valid drivers license these are the types of car lots to go to but unfortunately these types of car lots don't have the most reputable history. I have not gotten anywhere with the removal of this inquirie and it has cost me points to my credit score that has been damaging. This company had refused me my rights and it is disheartening to say the least.

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been locked out of my GDAX Account ( Coinbase 's trading subsidiary ) for approximately 1.5 months. As many of my virtual currency transactions have occurred on GDAX, I have been unable to file my taxes, as Coinbase has consistently failed to restore access to my account, or to provide me with the transaction records that would enable me to file my taxes. 

On XX/XX/XXXX, I filed a support request with Coinbase ; their response indicated that I should receive resolution within 1 week. Since XX/XX/XXXX I have called twice per week, with no response, other than an email saying my case had been " escalated. '' My taxes are now overdue. All I am requesting is access to my account in order to file taxes. 

Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Chapter XXXX Bankruptcy-XX/XX/XXXX I never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX, GA XXXX Transunion XXXX XX/XX/XXXXXXXX, PA 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 2018-04-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Chapter XXXX BankruptcyXX/XX/XXXXI never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX. XX/XX/XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment via electronic banking to Home Depot Credit Services in the amount of {$5100.00} on XX/XX/XXXX. Unfortunately I intended for it to go to my Home Depot Project Loan account but I sent it to a Home Depot credit card account that is closed due to inactivity. 
I contacted Home Depot and they claim no knowledge of my payment. I never received any notice the credit card account was closed nor any communication about my money being received or being returned. 
They will not provide any phone number for their Payment Research Center, only an address to mail inquiries to in XXXX XXXX, MI. I am concerned by their actions they will attempt to steal my money and I am requesting your 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 non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
i have disputed this account multiple times with RS Clark and assoc. they have been extremely uncooperative and would not provide any information regarding this account, even when given over 30 days to do so. this account does not belong to me and I have provided documentation on multiple occasions to show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX CT, XXXX MI XXXX Phone : ( XXXX ) XXXX I was called on the phone by XXXX and they immediately asked me to verify personal information. I was unwilling to provide to a random phone call. I also identified that I was sure I knew why they were calling because of the collection notice I received. I told them I responded to the initial letter for a collection of {$1300.00} was not correct. 

On XX/XX/XXXX, I sent them via this website : file : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX - the following message : I received a phone call today asking me to verify my information over the phone. I am unwilling to do this. Regarding my account that they called about today - I wrote a letter of dispute and sent it to you on the XXXX of XXXX. I have 30 days to respond as listed in the letter I received on the XXXX of XXXX. I dispute the callers comment that I refused to reply. It is not appreciated and I am documenting this reply. 

Further on XX/XX/XXXX ( still within the 30 days and using the same website sent this message ) : I previously wrote you on XX/XX/XXXX to report that I disputed the collections that you contacted me about. You have since sent me nothing but the overall bill, that does not equal the amount you are stating you are collecting. I need to understand how you came up with the amount outstanding, as I have cancelled checks and account statements that do not show the amount you are seeking is correct. Please provide me an accounting of how you came up with the amount in collections. 

To date, I have never received anything from this company other than an " original '' hospital bill with the amount owed that didn't represent the claim. In the interim, I had continued to pay the hospital directly until this was resolved. 

Randomly, they we call me to harass me, even when I indicated to them that I would deal with them in writing. No communications have come to me since the initial request. 

Unfortunately, I don't remember the dates of two other phone calls, but both were harassing in nature. The first revolved around me telling them to acknowledge both the mailed letter I sent in dispute and the web based dispute letter ( referenced above ). They refused to do both. The second revolved around me telling them to provide a valid claim and a proper amount and that any monies paid had to go to them. I told them I had a payment agreement with the hospital and was paying down the amount owed monthly ( sometimes twice ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX SSN XXXX You are hearby notified in writing just as you were on the phone on XX/XX/2018 that you have added a fraudulent account on my credit and dinged me 100 points for something that was removed 3 years ago. I informed you on the phone that this was fraud and it was closed yet you continued to ask for credit card information. You have violated my rights but adding this fraudulent account. I asked for a return to creditor letter and to have this removed but you refused. It is also recorded on my phone. I have sent this over to XXXX  and XXXX. I have also filed a complaint with the XXXX and consumer financial department. 
What I want This debt to be removed from my credit today A return to creditor letter What I have provided Fraud affidavit 3 separate police reports showing each time an account was opened due to identity theft. 
Credit score before you dinged it Credit score after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of XXXX due to my other car being totaled in water damage. Me and my wife moved last year and the XXXX XXXX was totaled by negligence due to the moving company hitting it with their moving truck.contact XXXX XXXX and told them I wanted to do a voluntary repossession because The car was totaled and the moving company was suppose to pay for it .They at that point decided to tell me they could put my current balance due on hold until the moving company got the car repaired But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle and the moving company will be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I knew that I had a balance left that was roughly {$28000.00} Which no payments were behind I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was { {$660.00} when they sold the car in XXXX the balance left was {$1000.00} Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I contacted AFNI who is a third party collection agency located in Illinois to settle a subrogation claim. Upon contacting them they failed to advise of the debt, charged me a fee in order to process my payment which is not legal in Washington state where I reside, and ran my debit card as a credit card which is against the CFPB regulations. They are refusing to provide any receipt that I paid my bill until five business days and when I called to resolve these issues I was at first placed on hold then transferred to a voicemail with no ID, then talked to abusively by XXXX in the compliance department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: VA

Complaint narrative:
I called Equifax on XX/XX/XXXX, to discuss removal of unauthorized inquiries on my Equifax credit report. The representative was rude and unable to correct the problem. The following inquiries need immediate removal from my Equifax credit report : XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX FL MAIL CODE : XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CRED DATE FILED XX/XX/XXXX XXXX XXXX DATE FILED XX/XX/XXXX XXXX   XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXXPhone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation