vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Approximately XX/XX/XXXX, I contacted Equifax to correct my account as I am a non resident of XXXX and hence, I do not own SSN or ITIN. My XXXX SIN is reported in the system and for my most explanation, it looks identical to ITIN and it should not be there!! 
I offered them copies of my XXXX documents to prove so they 'd correct my file, however, this is getting no where as I am transferred back and forth. I know for a fact is that they do credit reporting, they HAVE to CORRECT any improper information under reviews rather than turning customers away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to Transunion as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from Transunion stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue. On XXXX XXXX, XXXX, I sent a copy of the FTC report as well as a letter of the accounts and inquiries, which were the result of fraudulent activity and/or theft. However, on XXXX XXXX, XXXX, I received a letter from Transunion stating the company could not block these identified accounts as well as place the ID theft block on my account to have the creditors contact me if my credit profile is accessed by firms. This is a problem with having commercial companies whom can manipulate my finances throughout the course of my life.

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 2017-12-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Possible criminal conduct. See pdf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX illegally took from my bank account at XXXX XXXX bank {$1800.00} on XXXX XXXX, XXXX. They did not notify me ahead of time of the action taken and if I did have the right to dispute the money taken from my bank account. Also, I never received any legal order before XXXX XXXX XXXX taking the money. The money that they took from my bank account had been recently deposited from the social security because I recently came XXXX due to a XXXX XXXX. XXXX XXXX XXXX not only has affected me economically leaving my bank account in {$0.00} but also has affected my health. Since I have been having a very difficult situation for several years. I tried to solve the issue calling them several times as well as XXXX XXXX bank, even going on person but all they did was laugh at my requests. Please take action as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 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: MI

Complaint narrative:
XXXX Inquired because someone is trying to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of. 
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: MI

Complaint narrative:
XXXX Inquired because someone is trying to use my credit

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 2017-12-23 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: IA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to inquire about an internet offer I was sent through unsolicited postal mail. Upon contacting them via phone I specifically told them, no less than the times, I was not allowing them to run a credit inquiry on my record. Upon reviewing my report there is a inquiry on the same date recorded which is negatively affecting my credit score. 

Upon contacting the reporting agency TransUnion to dispute the inquiry I was told they could not do it without a statement from the inquirer. After many hours on the phone with XXXX I was told no one at their company could provide me with the required dismissal letter and was hung up on. 

I am contacting the CPFB in an attempt to have this record expunged from my credit report.

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 2017-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Mortgage Has yet to provide me proof to the on going issues with California All purpose Certificate of acknowledgment. It seems I ask for one thing to be answered and they send documents or some solution that has nothing to do with the issue of a Forged Document that makes the loan legally binding by the instrument to the Deed of Trust. 

I have requested to why some one forged my name or said I appeared before them when I did not nor had any knowledge of the document. I was never informed nor sign nor agreed for Wells Fargo Mortgage/ Notary to act on my behalf to power of attorney or correcting any documents. 

Notary can not notarize His/her own witness signature to execution of documents require both signer and witness personally appeared before the notary where the document is to be sign. 

Signer must be physically present face to face. I did not appear nor sign a California All Purpose Certificate of Acknowledgment as it states on the document. 

Wells Fargo Mortgage not ever informed me to no such document nor did they ever present it to me. If so why would the notary sign as me and say I appeared before her. 

Wells Fargo Mortgage/Notary took it on there behalf to act on my part to make the Instrument being the deed of trust a legal binding contract with out my permission and nor did I give any anyone power of attorney to correct or act for me with out informing me to making the loan legal. 

Wells Fargo Mortgage solutions department does not address this direct issue and there is nothing discuss to the matter of this when requested. It is always the run around to the issue at hand to the document to make the instrument/Deed of trust a legal binding contract The lady name XXXX never address the issue at hand its always the run around with the problem to one fact not a bunch of botch up documents that has nothing to do with the issue at hand. 

Nothing has been solved nor agreed upon by me with with Wells Fargo Mortgage XXXXommitting FRAUD FRAUD I 'm very aware of Wells Fargo Mortgage committing fraud threw out there loan documents and other various practices that Wells Fargo Mortgage does not want to address the issue.

Document is attach that is the issue with no explanation by Wells Fargo Mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XXXX XXXX, I received a phone call regarding a debt for an amount I had never been billed by a former landlord. I told the collecting caller I was contesting the debt, and they said they would send me a letter with next steps. This man was respectful and assured me the company would not report to the credit bureau without giving me a chance to formally dispute the debt. I did not receive any mail from them after this call. 
On XXXX XXXX, I received a second phone call. I told this new man I had never received any paperwork after the call on XXXX XXXX. This man told me a letter had been sent, then he berated me and threatened to report me to the credit agencies. He also refused to send debt verification. 
On XXXX XXXX, I called Fidelity and spoke to a very nice, professional man and explained that I had never received any paperwork but had received several phone calls. This man told me he would send me new paperwork. I finally received the first formal, written communication on XXXX XXXX. 
I disputed the debt in writing and sent two copies - one with tracking and one without, on XXXX XXXX. I asked them not to contact me again by phone and to send all further communication in writing. 
XXXX XXXX XXXX never responded to my letter. On XXXX XXXX, I received another phone call, despite the fact that I had asked them not to call me, as per my legal rights. 
Additionally, I found out the company had dinged my credit report twice. Once on XXXX XXXX, and once on XXXX XXXX - both occasions were AFTER I disputed the debt - however the debt was not reported as a disputed debt. This company is choosing to ignore both my request for no further calls and my right to dispute and is maliciously trying to hurt my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have XXXX bitcoins stored in Coinbase (currently about $3000+). On XX/XX/XXXX, I tried to sell and withdraw it to my bank account, but I couldn't because for some reason Coinbase couldn't verify my ID. The ID information that I submitted to open the account was obviously sufficient for me to buy bitcoin, but now they won't let me withdraw my money. On XX/XX/XXXX, I contacted their support center and explained the issue. I got an email back (probably automated) saying that they were looking into it. Then I didn't get any response for a week. On XX/XX/XXXX, I sent another email asking for a response and said I would go to the Better Business Bureau if nobody responded soon.

No response. I went to the BBB. Another week later, XX/XX/XXXX, I got an email with instructions to help me verify my identity. The email instructed me to respond once I had completed the steps. I completed all the steps, but they didn't work. I still can't withdraw my money. I responded to the email asking what to do and got no response for another week. On XX/XX/XXXX I went to their support center again asking for a response, and saying I would go to the CFPB if I didn't get any answer within 48 hours. 48 hours passed, no response. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.

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 2017-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is my complaint on XXXX/XXXX/XXXX I made a debit card purchase of XXXX with a XXXX and the transaction was denied, and I received a notice from Bank of America to login to my Bank of America Phone App, and verify I was aware of these purchases, I logged into app and followed all the steps for lifting the restriction, and received a message from the App, the restriction was removed and that transaction had been cancel, and now I could make the transaction again ; Assuming I was free to resume using my my card, I made a 2nd transaction for the same amount of XXXX and then noticed, I now had email from Bank of America prompting me to contact them, to review the transactions, i contacted the number in the email and was advised once again after verfying, I made the transactions I could reuse my card with no mention and any wait times, I asked the rep if the second transaction would be okay, he assured me all restrictions had been lifted from my card and the payment transactions showed as processing, along with a debit of XXXX and a credit of XXXX all on XXXX/XXXX/XXXX ; today on XXXX/XXXX/XXXX when i logged into my account I noticed the transaction did not post. The explanations I received from various reps was typical jargon of policies and very poor customer service, and the transaction was cancelled because it was seen as duplicate transaction and finally when I spoke with the Fraud team it was explained that you have to wait 20 minutes before making another card transaction. My complaint is this was n't explained in Bank 's App and nor did the customer service representative provide this info as well, the 2nd transaction should not have been cancelled and I should not have to contact Merchants and explained to them Bank of America errors, I 've attached an screenshot of some of the alerts I received.

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 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On 'Previous Address ' section lists some places I have never lived at or even visited as follows : XXXX XXXX XXXX Fl XXXX on XXXX/XXXX/XXXX and XXXX XXXX XXXX NY XXXX on XXXX/XXXX/XXXX. Credit Agency only replies 'Does not affect my credit score ', but I do not believe them! If someone living in those places has bad credit or blemished record, surely would affect my score! Plus, my record unblemished but scored low, so does not make sense! This error & associated record should be changed, not merely stating not affecting my score. Each year stays on my record & must be eliminated with associated depressing of my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

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 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. InXX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

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 2017-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone stole my personal information and identity to open up a XXXX XXXX store credit card account through Wells Fargo Financial National Bank fraudulently and unauthorized. Someone had a Minnesota drivers license in my name with my picture on the drivers license and a date of birth of XX/XX/XXXX. My date of birth isXX/XX/XXXX Furthermore, I was incarcerated fromXX/XX/XXXXuntil XX/XX/XXXX. I was released from prison on XX/XX/XXXX so theres no way I opened up the account. Review the attached documents submitted with this complaint. The XXXX credit card account is fraudulent, and dont belong to me.

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 2017-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
OnXX/XX/XXXX, I logged in to my mobile banking app and saw that my savings account was negative {$10000.00}. I called customer service and my call was transferred until I got a person 's voicemail. The next day, I was called back and told that XXXX XXXX had filed a claim and therefore they debited my savings account for half of a settlement check that I had received and deposited in XX/XX/XXXX. So the bank debited my account without even speaking to me or notifying me. When I finally got a person at Bank of America, they said I needed to contact XXXX XXXX to find out what was going on. The next day, my checking account and savings account were closed without notifying me or warning me. I was also locked out of mobile banking and can not even access my past transactions. I have had this account for 22 years with no problems. When I went to the local branch, the manager there told me he could n't help me and neither could anyone at Bank of America.

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 2017-12-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief