vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: TX

Complaint narrative:
on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I was in tbe hospital in XXXX was very sick for 4 months. D Still recovering. So gave car back since i lost my home. And income whilr severly sick.i only missed 2 payments the can resell the the.id like my credit fixed.

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 2017-12-28 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 — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
on XXXX I mailed a certified dispute letter to Sun Loan., on XXXX the received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

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 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received letters dated XX/XX/XXXX from Chase Bank indicating that they have closed all of my credit card accounts because my credit report shows that I have too many new accounts. I then contacted chase over the phone to discuss the matter, and was told that I am considered too risky for the bank therefore they are terminating all of my accounts. If Chase is concerned about credit exposure, the fair course of action could be lowering the credit limit on the accounts rather than shutting them down. It is hard to understand how Chase has arrived at such conclusion as I never had a late payment throughout 8+ years of credit history, being current on my mortgage payment, extremely low debt-to-income ratio, and pay off all my credit cards on a monthly basis. How does having too many credit cards suddenly make a customer too risky when they have demonstrated perfect ability to service their accounts responsibly throughout the years?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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 — Was not notified of investigation status or results
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed out a dispute letter via certified mail which was received on XX/XX/XXXX, 30 days later no response. on XX/XX/XXXX I mailed out a 2nd letter via certified mail stating how they are in violation of FDPCA, to this day I have n't received a responses what so ever, I have retained a copy my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have sent XXXX XXXX XXXX. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing XXXX XXXX has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money. 
XXXX XXXX has not complied with FCRA 623 ( a ) ( 3 ), or section 603 ( p ), and has not complied with the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
Someone illegally tried to apply at XXXX for a credit in my name with an address of XXXX XXXX XXXX XXXX XXXX ar XXXX. My correct address last XXXX years is XXXX XXXX XXXX XXXX ar XXXX. The XXXX credit card was refused for low credit score but ALSO for using a false address. I did not apply for the XXXX card. Please remove the XXXX XXXX XXXX XXXX XXXX ar XXXX address from my record please. The correct one is XXXX XXXX XXXX XXXX ar XXXX. The one before that was XXXX XXXX XXXX XXXX ar XXXX. My phone number is XXXX XXXX XXXX. Id appreciate it very much correctly correcting the false address put on my credit report. Thank you for your attention to this matter.XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX maiden moms name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Sir or Madam, I am filing a complaint about Coinbase. 

I withdrew XXXX EUR ( in words : XXXX XXXX XXXX XXXX XXXX euros ) from Coinbase to my verified XXXX XXXX account on XX/XX/XXXX. 

The website of Coinbase promised a transfer until XX/XX/XXXX. 

Until today ( XX/XX/XXXX ) I have not yet received the promised funds. I have formulated multiple support tickets and also called the customer service desk, were I have not received an update on my transfer status. The customer service always confirmed that the status is " pending '' and that the funds should have arrived long ago, but could not tell me when they will finally arrive. 

The reference code within Coinbase is XXXX. My bank account was verified, as I was able to send EUR to Coinbase with the same bank account. I have earned the money myself and do not have any criminal records ( in specific I have no record of any violation against anti money laundry regulations ). 

If you could help me to receive my desperately needed funds, I would greatly appreciate that. Thank you very much. Since I do not hear back from Coinbase, you are my last hope to receive the funds. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a savings account with Capital One ( ending in # XXXX ) .This account was titled in .my trust. On XXXX XXXX, I saw on their site there was a higher yielding rate. I called and asked if I could get the new rate. The gentleman said yes. He transferred the funds to the new account. 
I never received a written monthly statement subsequent to the conversion. I went online, and to my shock, I see that the newly established account was in my name and NOT TITLED IN MY TRUST AS THE OTHER ACCOUNT WAS. I called in several times and they informed me they do n't open up new trust accounts. I explained that their person NEVER informed me of that and on his own changed the title of the account. 
I have called back on three separate occasions and have not received an answer. They claim that the department I am speaking to does not have the authority to deal with this problem, nor do they have the ability to contact directly the department that has the authority, they merely send an email to the other department. The other department allegedly gets back with me. This changing of my account title, done without my consent, I believe, is illegal and done without my consent. I told Capital One to listen to the recording of the conversation of XXXX XXXX since they inform the customer that they record every conversation. 
This has been a bad experience, and the bank has not made a decision regarding their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety. 

Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights. 

Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
My mother and father owned their home for 37 years in XXXX they took out a loan on there home with green tree XXXX company. My father XXXX XXXX in XXXX. My mother XXXX XXXX in XXXX. I then went to court for a quick claim deed to the property. I was granted the deed at My exspence. I Informed greentree of all changed being made and ask them what I could do to take over the mortgage and was told simply pay the payments. I turned in my insurance information that proved i was the name on the insurance not my parents and both XXXX XXXX XXXX as well as all the court documents promptly. They excepted the paper work but still did n't let me take over the laon. A year later they switched from green tree to ditech. That 's were my troubles bega n. They refused my insurance. I had to dispute them in addition my insurance agency has to make contact with them to dispute there action since I had the quick claim deed. After that was settled i was told to only make payments threw there speedway method as the only way to avoid late fees. They would hold my payment as a partial payment and not apply it to my account causing me late fee s after I had already payed for there speedway method. My payments would be applied to other things than my account causing me to have to send more money to complete the partial payment they had takin money out of. I would do one time payment options and Ditech would set up unauthorized payments without my knowledge this action caused my bank account to overdraft XXXX dollars and be closed in XXXX XXXX. I would send them my payment and receive my confirmation number to later find out they did n't take the money out of my account and that caused my account to default my loan. I sent 3x the amount i would have payed of they would not have refused my payment in the first place. My phone records prove they call me 10 x a or more a day from XXXX in the morning till XXXX at night. The line will be dead when I answer it. I have contacted them multiple times in hopes of help saving my home. They tell me to pay up the full mortgage amount or get out. I am currently awaiting my forcloser court date. In XX/XX/XXXX i found out Ditec h was failing to pay property taxes on my property That escrowed in my mortgage i was two years four instalment behind. They did not want to pay it but had no choice or the state was going to take possesion, I payed Ditech and they failed once again on there end. I have tried to refinance the loan and no agency will help me because it is a fema loan. Please help me save my family home. This situation caused because of Ditechs fault and negligence. My parents XXXX in this house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: GA

Complaint narrative:
Credit reporting companies are including number of credit inquires as a factor in computing my credit score. I have no control over whom is doing inquires and the frequency of those inquires. Further, several inquires were not related to actually applying for credit but only to check interest rates. These uncontrolled and frequent inquires are having a negative effect on my credit score which affects my ability to get lower interest rates.

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XXXX information incorrect.

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 2017-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX  XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}

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 2017-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello, My name is XXXX XXXX on XX/XX/XXXX a pension disbursement check from XXXX XXXX XXXX XXXX XXXX XXXX was deposited to XXXX XXXX XXXX in a IRA the amount of {$7200.00}. I made another withdrawal in XX/XX/XXXX of {$1200.00}. I made another withdrawal of {$1500.00} in XX/XX/XXXX. I forgot about the money years later and never withdrew anymore. The bank was taken over by Bank of America and I inquired about the money and I was told there is nothing in the account. So I would like to know where the remainder {$4500.00} plus interest.

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 2017-12-28 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:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt is not mine. Trying to bill me for an apartment lease.

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 2017-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
There are two collection on my XXXX credit report that AR Resources claims as not paid. XXXX XXXX XXXX was the primary creditor that reported to collections two XXXX each charges to collection on XX/XX/XXXX under account number XXXX. AR Resources held both accounts at that time and still claim these services are not paid as of XXXX XXXX XXXX. 
Both accounts where paid in full on XXXX XXXX XXXX through XXXX Credit Card payments on file in there system. Those co-payment charges where for office visits on XXXX XXXX XXXX and XXXX XXXX XXXX in the amount of {$25.00} each visit and additional fee 's of {$7.00} each. 
XXXX XXXX XXXX will confirm both AR Resource collection where paid to there office and can be contacted at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX C/O two accounts under XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation