vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XX/XX/XXXX, I logged onto the Wells Fargo website to make my XX/XX/XXXX payment. I made my payment as I always do. When I logged in XX/XX/XXXX to make my XX/XX/XXXX payment the site said that I was do for the XX/XX/XXXX payment. I called Wells Fargo and asked them what happened why did they not process my payment? They said they would do an investigation and let me know the result. They have now just told me that they did not see any errors? I always pay my account online with them and i have never had any late payments. I always make sure that I never pay beyond the 30 day period as I need to protect my credit. My credit is perfect, I have no lates at all, my Fico score was nearly 800. I just found out that Wells Fargo have now reported me as having had a 30 day late, I checked my credit and my score has dropped to XXXX. They have caused me financial harm. 
I asked them to correct this and withdraw the late report they have sent to the credit bureaus. They are saying they will not. Of course even their records indicate I am up to date with them since both the XX/XX/XXXX, XX/XX/XXXX payments have been made. This 30 day late they have reported took place through no fault of mine, why the payment did not process I have no idea why. I will be happy to send you a copy of my credit report which shows that I have perfect credit to prove that I never pay late. 
I very much appreciate your help in resolving this matter.

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 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Coinbase has neglected to send back unclaimed funds to my closed wallet account. The amount sent of BTC was {$1600.00} to the following wallet address in two transaction on XX/XX/2018 : XXXX. 

Also, Coinbase has neglected to allow me to withdraw .XXXX BTC due to unauthorized activity on my account causing a chargeback. I attempted to settle the payment anyways to withdraw my funds, but the " payment required '' link does not work and only gives error messages. I have attempted to contact them via email and phone for several weeks and continually get answers not related to my direct question or a response that they will escalate it to a " specialist ''. 

This issue has lasted for 3 months, and they just recently restricted me withdrawing or sending my virtual currency. They currently owe me approximately {$6100.00} between the two issues. I  currently have over {$4500.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I been having alot of problems with FIRST SOURCE but i want to report that they are proving personal information about me to others, they keep calling my work and have actually told 3 of my manager of my debt and now people know im in collections with them bc they provided that information to 3 of my managers. We also not suppose to received personal calls at work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Last thursday XXXX XXXX. Called my cell from phone number XXXX exXXXX saying I had 2hrs to call her back are charges were going to be filed against me so my boyfriend calls me at work and and relays the msg to me so I call her And she ask if I recall XXXX and I said yeah but that was yrs ago long story short she wanted me to pay XXXX plus for the loan I got years ago I told her she would have to wait til Friday so she ask for a card number which me not thinking at the time I gave her my card number but told her I would have to make payments every two so then later on after I got off the phone and I got to thinkingwhy did she need My card number so Friday came And My bills come off my card and she called my job and said payment didn't go though I told her I gave her the wrong card number so she asked for a different one. So today XX/XX/XXXX she has. Called myjob twice. And I have ask her not to call and send. Me paperwork and I would gladly make payment arrangment I think she. Is scaming me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS Select Portfolio Servicing, inc unfair resolution of my house. Which promise my a short settlement which I paid in a timely matter but cheated me out of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
The creditor I owe ( XXXX XXXX XXXX XXXX XXXX ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of MESSERLI & KRAMER I talked to the collection department manager XXXX XXXX XXXX I explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I received a letter today from XXXX XXXX saying Portfolio Recovery purchased a account reported under identity theft. In which the original creditor received the theft report & case number from the police department. They sold this debt and it is not mine. I do not have a contract with XXXX XXXX or XXXX XXXX XXXX XXXX, I also feel I shouldn't have to keep sending the same information over again. 
I have requested validation also multiple times from their client to only be sent printed out statements That do not bear any original signatures. This is not a valid debt I do not owe this alleged account & will pursue legal action if placed on my credit report. I also request all copies of original contracts or payments bearing a Real signature. They client rep advised me this account was opened online & they have no contracts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX my son and I, the co signer, were sent letters of default on 2 loans. When the letter came, I sent a check clearly marked with the 2 account numbers. 2 years later I find out the one account was never credited. I called Discover around the XX/XX/XXXX,  they tranferred me to XXXX. I sent her copy of the cancelled check. She said she would call back in 1 week. After 2 weeks I called Discover and asked to speak with XXXX. Was told that there was no XXXX working for Discover and I must have called XXXX XXXX instead. I said no, I didn't even know what XXXX XXXX was so how could I call them. I explained that the only thing XXXX had done was put the loan in question back on my account. XXXX said she would personally look into it and call me back within 2 weeks. NEVER called back. Called again on XX/XX/XXXX and talked to XXXX in XXXX XXXX XXXX. He saw all notes and promised to take care of things. That was 2 months ago and still nothing is resolved and I have a mark against my credit because of their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 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: GA

Complaint narrative:
My credit report shows several hard pulls from Experian. I had used Experian to monitor my credit score, but to my knowledge I did not ever ask for a true hard pull on my credit nor do I believe that I gave permission to pull my credit. My score is roughly 730 and the only negative on my score is the amount of hard pulls on my credit. Below are the dates that my credit was in my opinion wrongfully pulled without transparency/permission. The company was retained to help monitor my credit and ensure I would be alerted to negative score issues. I feel that these pulls on my credit were all in error and have negatively affected my score.

1.XXXX XXXX- XX/XX/2016 2.XXXX XXXX- XX/XX/2016 3.XXXX XXXX- XX/XX/2016 XX/XX/2016

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 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR Recovery is claiming this account was opened by me. I never opened this account, or signed for this account, or used the account. It was opened by someone else. Please provide proof that this account was opened my me. I have never negotiated with ABR Recovery. I called inquiring about this fictitious debt they claim I owe. It's simple. Provide proof I opened this account. They will not be able to provide proof, because I never opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: AL

Complaint narrative:
Please reference CFPB complaint # XXXX about EQUIFAX , INC.. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of Equifax 's failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from Equifax regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that Equifax is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that Equifax provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
I never received correspondence from XXXX XXXX after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from FBCS , Inc sent a letter stating a {$5300.00} was owed on the vehicle, but is XXXX XXXX reporting to CB that  over $ 8k is still owed on account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: WI

Complaint narrative:
In XX/XX/XXXX XXXX offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, XXXX has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, XXXX has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, XXXX is not reporting this account to Equifax which is also negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My Equifax credit report shows a address I have never lived at and requested payment t be removed however the bureau continues to report it m, I also disputed a Bankruptcy which is reporting showing the court as a XXXX North Carolina court I have never stepped foot in XXXX no and do not have a benkruptcy as that indicate they state this information was provided by XXXX XXXX I contacted them to learn they have no record of this filing in additions public records are suppose to be updated every 90 days and this reports as last updated 2016 ... also Equifax has reapplied a previously removed collection item without communicating anything to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), Chase Bank USA declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: BB&T CORPORATION
State: AL

Complaint narrative:
Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, BB & T Bank continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.

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 2018-05-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with XXXX and Navy Federal Credit Union. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So XXXX and Navy Federal decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with USAA and XXXX XXXX XXXX XXXX. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So USAA and XXXX XXXX decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief