vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
Midwest Recovery Systems is practicing illegally in North Carolina. I have submitted a compliant with NC Department of Insurance as well as the NC Attorney General 's office because for some time I have been fighting the Credit Bureau about Midwest Recovery Systems BOGUS and FRADULENT based account on my credit report. <P/>I have sent several messages to XXXX, XXXX and XXXX about the fraudulent PAYDAY LOAN Account ( per the credit report the company is a PAYDAY LOAN Company ). After much research and back and forth with the bureaus, I found that Midwest Recovery is not even licensed as a Collection Agency in North Carolina and they have placed this FRADULENT account on my credit report since 1st Quarter of this year. Midwest is saying I had a payday loan from a company XXXX XXXX XXXX that is not even in business when I researched the company for information. ( XXXX XXXX XXXX XXXX  The attachments will show you they are not licensed here in North Carolina, it will also show you the company they claim I owe is not in business. I have also included the link below that I am not the only one they are doing this too. <P/>The credit Bureau keep saying verified for FRADULENT information. Please not only investigate them but stop them from doing this to others in our state but other states.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hello, I have a loan with Santander which was opened back in XXXX. I purchased the car through XXXX and Santander financed it. However, what we were not disclosed is that there were SEVERAL recalls on the car and that the Maker of the car themselves had went bankrupt. Santander breached their part of the contract where it states they will NOT finance on cars out of production, in my case the car itself had been out of production since XXXX. I have tried dozens of times to work something out with Santander and also the dealership where I purchased the car. The dealership told me Santander would be responsible, and then Santander says the dealership would be responsible. This has been going on for months, since XXXX of XXXX to be exact. I originally filed a complaint with CFPB and Santander 's response was nothing short of a blatant lie, stating they " can not make any contact '' with me because I was being represented by an attorney. This was not true. I definitely have one on standby, but no, our attorney NEVER called or contacted Santander. They responded with that and to me that is also fraudelent. I have every single piece of detail of when Santander contacted me, when the dealership contacted me, and when they let this go on for months without even responding. The only suggestion they gave me was they could " defer my payment for a few months and remove late charges ''. NO. The problem I have with a car that was sold to be ( Fraudulently mind you ) is that no mechanics can work on it. The recalled parts can not be fixed. This is wrong and Santander knows this-you can not expect someone to pay for a car that was recalled before it was even sold and financed to me-it is impossible to maintain when it CAN NOT be worked on. This is a very dangerous car to drive and the dealership along with Santander needs to get together and unravel this and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Immediate Credit Recovery
State: OH

Complaint narrative:
ICR, Immediate Credit Recovery garnished my husband 's wages for {$320.00} each pay period ( every two weeks ) without proper notification. I was not aware of any money owed until I received paperwork for the garnishment from my employer until 8 days prior to the funds being deducted from my pay. The amount being deducted has adversely affected my family and my credit, I can not meet my basic living needs and I have XXXX XXXX children at home. Both are in need of summer clothing to fit them, and we have a combined school expense of {$800.00} that was due XXXX XXXX, and we ca n't afford to pay it. I have had utilities turned off, not able to pay for groceries and media actions needed because we have an {$11000.00} deductible. <P/>We are incurring late fees on our financial obligations and never had the opportunity to dispute or set up affordable payments. <P/>I need help ASAP as ICR has failed to respond to faxes, email, and phone calls. When I call I press option 3, them get a recording and disconnected. I requested a hearing on XXXX XXXX and was told they were wating for a response as to the date of the hearing only to find out 6 weeks later ( XXXX ) that they never sent it so we wait another 30-60 days for a hearing date while they continue to take money from my husband 's pay. <P/>We do not qualify for any type of assistance because they look at gross income, they do n't take the garnishment in to consideration. This company had contradicted themselves and made it impossible for us to meet our basic needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of Ed/Nelnet, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against XXXX & the creditors for breaking several FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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:
XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.

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 2017-07-06 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:
XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.

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 2017-07-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
on my credit report from Experian, there are many credit report requests from XXXX XXXX. I dont have an active credit card with them and Experian should not share that information with them.

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 2017-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
My family and I are being harassed by Harley Davidson Credit for another persons debt. This has been going on for almost a year. They show up at my house day and night. I have called the company to explain to them this person does not live here serves times but they refuse to leave us alone. Now they are calling members of the family in other states but I am the one who is harassed constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: Total Card, Inc.
State: MD

Complaint narrative:
I have contacted the credit card company on several occasions. OnXX/XX/XXXX I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XX/XX/XXXXI was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 fromXX/XX/XXXXand one fromXX/XX/XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months!
<P/>
I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: FL

Complaint narrative:
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XXXX XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XXXX XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against Equifax & the creditors for breaking several FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06 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: Security Credit Services, LLC
State: FL

Complaint narrative:
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXXand currently now. It 's been less than a year 11 months to be exact and counting coming intoXX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, Security Credit Services, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit againsXXXX XXXX  & the creditors for breaking several FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or around XXXX XXXX, XXXX, I contacted XXXX and Experian in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to XXXX and Experian for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX  After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Experian )

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 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
15 Year Mortgage with Bank of America. Homeowner ALWAYS had private homeowner 's insurance paid separately, and NEVER part of the mortgage payment. Premises has always been properly residential/professional zoned. Beginning XXXX, Bank arbitrarily and capriciously begins sending default notice alleging Homeowner has " no-insurance coverage ''. Homeowner submits proof of insurance coverage no less than four ( 4 ) times, including proofs from the Homeowner 's Insurance Company. Homeowner NEVER late with any payment, and now with approximately 1 1/2 years left on mortgage. Bank now begins to withhold homeowner 's current payments, and purposefully and willfully applies them to " default on homeowner 's insurance '' only. Thus, Homeowner now being charged with late fees, and/or threats of non-payment of the mortgage. Given the numerous proofs of valid, current homeowner 's insurance, as well as, said proofs for nearly 13 year of compliance, Bank is taking an obvious and blatant attempt to move Homeowner into defualt, extort additional monies as " insurance '', despite proper coverage and submitted proof therein. Bank will not credit nor account the payments properly.

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 2017-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a recently opened credit card with Citi.
It is an AAdvantage MasterCard.
As you can see from the attached, I have a revolving credit limit of {$5000.00}, of which {$1500.00} can be used for cash advances.
Fine.
I went into the bank for a {$1000.00} cash advance on Friday,XX/XX/XXXX. I wanted a cash advance for the very long, XXXX XXXX weekend. I was declined.
I spoke with a bank employee, very friendly, named XXXX XXXX She called the banks " back office '' in XXXX ( XXXX XXXX XXXX ) and spoke with XXXX, and was told two things.
First, there had been fraudulent charges on my account. Second, I could only make my cash advances in some kind of increment and, after 45 days, could take {$1000.00}.
I told XXXX that if there had been fraud on my account, then why was n't I notified. XXXX was told that the phone number for me could not be validated. My phone number is XXXX XXXX XXXX and is the exact same phone number that I used to open the account.
This would not do. I would have to give them another number - one that could be validated - and they would leave me a message there. I gave them my home phone number and, in fact, they left me a " code '' at that number. The code was XXXX. I was to call the " back office '' myself, give them that code, and then I should be " ok '' to take my cash advance.
The long weekend has passed.
However, on Wednesday, I went back to the bank with my code. I was unable to speak with XXXX and instead spoke with XXXX XXXX. Also very friendly.
We called the " back office '' again with the code. XXXX confirmed what had occured and passed the phone to me. I confirmed that there had been no fraudulent charges on the account. There were no fraudulent charges on the account.
Fine. I was ready to go to the teller window and request my cash advance, according to XXXX in the back office.
I went to the teller window for my cash advance and was declined.
I went back to XXXX He and I were both perplexed.
Called the " back office '' and XXXX spoke with XXXX. XXXX explained to XXXX  that I can only take out increments of {$500.00} and no more. He also explained to XXXX something about a 45 day hold, etc.
I asked XXXX after he had been on the phone with them for a while, what was going on and did he understand what they were talking about. No, he said.
So, long story short, I need to understand from the bank why I could n't take out a {$1000.00} cash advance when everything that I 've gotten from them says that I can.
I have included a recent email from XXXX XXXX telling me that my credit is excellent, by the way.
Your help with this is very appreciated. I can get no answers from the bank.
Thank 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 explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Issue with Coinbase Transferred Ethereum based Tokens into my Ethereum Wallet on thier Exchange. They will not provide me the Private Key of my wallet so I may transfer my Tokens out of their wallet.

Company response to consumer: Closed with explanation