vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I contacted XXXX XXXX XXXX  and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX. I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XX/XX/XXXX, I chose to use XXXX miles for an approximate {$100.00} travel credit as part of the Barclay Rewards program. I clicked the {$100.00} XXXX XXXX credit item then cancelled the transaction discovering that it would make more sense to use the {$550.00} credit item from the XXXX  XXXX which expires on XX/XX/XXXX. The payment was canceled but I lost the XXXX miles leaving me with only enough miles to apply an {$89.00} annual fee credit item. I immediately called Barclay at XXXX to request my points be returned which they refused. I escalated the issue to the Office of the President for consideration. The Barclay service manager said I could fax or send a letter to the Office of the President, Attn : XXXX XXXX - President, XXXX XXXX, XXXX, DE XXXX. Barclay offered no electronic option to file a complaint. Meantime, I have posted a payment in full for my account balance due XX/XX/XXXX. The service reps at Barclay were professional but it was clear they lacked any authority to resolve this simple issue of returning my XXXX reward points forcing me to mail a letter to the president.

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 2018-04-03 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: TX

Complaint narrative:
ID theft victim, unknown acct, police report filed

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 2018-04-03 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: TX

Complaint narrative:
ID theft victim, unknown acct, police report filed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On or about XX/XX/18 I wanted to place a limit order for a trade on Coinbase. I was instructed by Coinbase that I needed to go thru XXXX. I did that and opened an account at XXXX. Since then my Coinbase account has been restricted pending review of my application at XXXX. These people have no clue what they doing. I am locked out of an account in which I have trading assets. the value of trades I have been prevented to make exceeds {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and Experian and XXXX refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. Experian and XXXX keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, on XX/XX/2018, I received a letter from Carrington mortgage services llc, ( Letter attached ) on the letter says that they will automatically will increase the mortgage payment based on " MY DOCUMENTS AND LAW '', and I want Carrington answer the following questions : 1.-What documents and law they talking about on their letter?

2.- Why they want to automatically increase the mortgage payment without notice?

And the most important.

3.- Does Carrington mortgage services llc already read the CONTRACT I signed the loan at XXXX XXXX and XXXX County ? 
4.- What part of the contract they don't understand?

5.- Does Carrington want to apply their own rules on this mortgage?

6.- Why they want to withdraw money from my account without notice?

I want Carrington to answer these question to me, and to the CONSUMER FINANCIAL PROTECTION BUREAU THERE IS A CONTRACT, and they need to read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Home Loan Center, Inc.
State: FL

Complaint narrative:
I entered my vehicle info and last 4 of my social into XXXX and they somehow obtained and then shared my entire social security, my contact and all my personal information with more than 5 third party companies. All of these 3rd parties then conducted a hard pull of my credit without my expressed and written permission. I've spoken to XXXX XXXX in advance and requested that these hard pulls be immediately removed from my credit and they have refused. After speaking with management, they claim that by providing the last 4 of my social I gave them permission to pull my credit but I did not. 

Somehow they were able to go through another 3rd party and obtain my personal information, somehow including my entire social security number and share it with multiple other companies who have been relentlessly calling and emailing me all with in an hour and hard pulling my credit. I did not sign any paperwork giving anyone permission to pull my credit from XXXX XXXX or any of their partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Security National Automotive Acceptance
State: GA

Complaint narrative:
I purchase a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Georgia. On XX/XX/2005. It was then financed by Security National Automotive Acceptance Corporation. At an interest rate of 13.90 and finance charges of XXXX which bring the total sale amount to {$24000.00}. At the time I did not understand credit or interest rate at the time I was a XXXX-year-old just enlisted into the military and was in need of vehicle to travel back and forth to work. When I was XXXX XXXX out of the military contact Security National Automotive Acceptance Corporation to inform them that I was no longer in the military and to stop the automatic draft that I had set up for years they refused to stop the automatic draft and my account was overdraft 4 times without my consent at the time I told them all so they could come pick up the vehicle and then that's when they told me they did not want the vehicle back and that it was no good I told him about all the maintenance that I had to do and all of the recalls on this vehicle. I tried also returning the vehicle back to XXXX XXXX 3 days after purchase they refuse to take it back due to the fact it was an as-is sale with no warranty

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I walked in a sears store ends of XX/XX/2016 to purchase appliances for new home. I asked for store credit when the sears worker comes back tells me I got approved for {$6000.00} credit card I asked him why he did credit card which he insisted it was better because of no interest 24 months and I cut use it where ever I wanted, that day I purchase about {$4000.00} of appliances, I was left with about {$2000.00} on credit card. I used the credit card on a car dealership for the amount of {$1700.00}. I have been paying monthly never been late. I noticed that I wasn't receiving any bills so I called sears credit card they 1st said that it was because my credit was linked to my previous home address so I asked to  change home/mailing address which still didn't receive anything. I gave them another call because didn't notice my balance going down they told me it shows details on statement which I never received the person that I spoke to that day told me I was in paperless billing and I had already set up an account online they told me a other persons name and email that wasn't me and they had even set up that person with their own credit card and I wasn't informed of. And I didn't have access to my own account. I told her I didn't do it she said it had to be you, didn't care much what I had to say I asked to cancel that persons credit card and change the email address to mine and home address. when I receive the 1st statement it had a {$1200.00} increase so now I have a balance of {$7200.00} I have called a lot of times and they give me different story`s that its 12 months no interest and other person tells me I have two different accounts that I have always been paying interest on 1 account. In one of so many calls I told them if they cut give me more time to pay off so I wont have the pay the {$1200.00} more she told me ok pay me {$2400.00} by the end of today but in a very sarcastic way because she figure I didn't have it. Now that happen I'm getting my statements there intimidating me showing minimum payment {$16000.00} and {$1100.00} which i called and after talking to different people finally one of them told me if u don't have that amount just give {$230.00} so there will be no late fees and wont affect your credit but that only covers interest charge for 2 different accounts. on statements only shows 1 account.

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Repeated calls from the number I submitted. Callers stating that I owe a debt with XXXX XXXX for {$690.00}. Caller states they work for " XXXX XXXX XXXX '' working fore XXXX XXXX. Asking to verify personal information such as last 4 of social and address. Very unprofessional sounding. Asking if I can " do something about that debt today '' or " can we take care of this ''. 

The are lying about the debt. I owe no money to XXXX or any other cell phone provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This debt has been paid. It was supposed to be deleted from credit report. I have emailed the company, Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: MI

Complaint narrative:
I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and XXXX and Equifax refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. XXXX and Equifax keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX. is attempting to damage credit and collect debt purchased from unknown account. This company is not registered with Ohio Secretary of State to collect in Ohio where I live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I, along with my Mother and Daughter continue to receive threating phone calls of lawsuits and fraud from someone named who claims he works for XXXX XXXX XXXX. He continues to give out my personal information to my family members and calls them all throughout the day. He claims he is acting on behalf of Ace Cash Express but I spoke to them and he, nor his company has anything to do with them. This has been happening for the past three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.

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 2018-04-03 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: IL

Complaint narrative:
FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.

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 2018-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
I applied for a XXXX loan in XX/XX/XXXX and can't seem to ever pay this off and, it is now XX/XX/XXXX and I still have seen no decrease in my pat back interest is at like 800 %!!

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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have had Bank of America Privacy Assist product since about 2010. Paying {$12.00} a month for viewing my credit score, and being assured that if my identity was stolen then they would spend up to {$25000.00} to help restore my credit identity. Also their credit insurance product says that they would pay up to {$2000.00}. lost wages per month, and some other coverages such as {$2000.00}. a month elder care. Having read about the suit against them for this and similar products I wish to be included in that suit. When I opened that account with them, there is no record of when I bought it, and so I would have to research my old BA statements to verify the time frame. I found on that site where I could cancel it, but there is no way to email them directly from either of their sites, and a phone call to their customer service agents wouldn't help me either, since they just send one though endless menus, and transfers to ever reach someone capable of making this right. I don't have time for the hour or more that would take! I don't want to cancel until I know I can be compensated correctly! XXXX XXXX, XXXX 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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Position One Group
State: TX

Complaint narrative:
I enrolled in Get Mortgage Ready program on XX/XX/XXXX. At that time I informed them of the type of home I wanted to purchase and how much I could afford to pay monthly ( {$1100.00} ) on a mortgage and the estimated time ( XX/XX/XXXX ) I wanted to move. What they do is sell you products, credit report ( XXXX XXXX XXXX  ) for {$330.00} and credit report monitoring ( XXXX XXXX ) for {$29.00} monthly.

I didnt need the credit repair because there is no way I wouldve be able to purchase a home with two car loans on my credit and the amount of debt I had. I provided them with all documents that they requested which was my paystub that provided my income and additional documents they requested. If they are a get mortgage ready company they wouldve known that I wouldnt be able to obtain a home loan due to the amount of debt I have and not take my money.

One of the main issues that I have or had was with the credit repair company that provided me with false reports that they removed items from my credit report when they didnt. When I questioned XXXX   XXXX XXXX about sending me false information they never would respond to my emails and Get Mortgage Ready stopped communicating as well in XX/XX/XXXX.

I had some medical bills on my credit report that did not belong to me and their solution for that was for me to file a police report for identity theft. I was able to get all the bills removed from my credit report on my own because this was a billing error not identity theft.

XXXX XXXXXXXX XXXX informed me medical bills are not calculated when purchasing a home. Judgements that are showing satisfied do not affect your score. Car installment loans that have the incorrect balance do not carry much weight as far as your score goes.

All of this was incorrect because when the medical bills were removed my score went up. When the Judgement that I never went to court on was removed my score went up and when the balance on my car loan was reflecting the correct amount my score went up.

In the end I spoke with two senior loan officers who informed me that I would not be able to purchase a home due to the amount of debt that I have and that it would be impossible for me to find a descent home.

I didnt have an issue with XXXX XXXX because they provided excellent service. The {$29.00} monthly fee included credit reporting from all three bureaus with your Fico score and you can setup alerts etc. They also have excellent customer service when you speak with them via phone.

The issue I have is with XXXX XXXXXXXX XXXX  and Get Mortgage Ready because they charged me for fees when the services were not provided and I was provided false misleading information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief