vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
This company SANTANDER CONSUMER CO, has put an account on my credit file without my consent which is illegal and constitutes Fraud, .the reporting of this account is also in violation of FDCPA and FCRA rules and regulation and Copyright Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX, {$1000.00}, Citi Cards , this account was paid and no late payments, it is showing up on my credit report as negative item.
XX/XX/XXXX, {$1000.00}, Citibank , this account was paid and no late payments, it is showing up on my credit report as negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX, this account had no late payments and I did not used this card for a year the company inactive the account. showing on my credit report as a negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX , this account had no late payments and I did not used this card for a year the company inactive the account. showing on my report as a negative item.

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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
There is a hold on my checking account. I had n't been using the account when i noticed that it fell into a negative balance due to fraudulent charges. I reported this all to the fraud department at US Bank. They took care of the issues and fixed my account however an error on their end causes for my account to still have a hold. And they closed it right before it got resolved. Its not my debit card that has a hold. Its the checking account itself. I wo n't have access and have n't had access to my account in days.Which is no longer acceptable. I 've started a new job and my deposits will bounce back because they wo n't contact the case process worker to lift it.They keep saying that I 'll receive a call and I have n't. They tell me to call the branch and branch sends me back to the service center line. I 've spoken to over 20 representatives, each response different. My new debit card is activated and i ca n't even deposit or access my direct deposit. This is all unfortunate.

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 2017-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
My attorney has been working on my behalf for a short sale. In reading the notes on the constant delays with Roundpoint my attorney escalated the issues to a supervisor " XXXX ''. Based on the notes my attorney was never advised about HUD revisions in a timely manner only that variance was needed from HUD. As a result of ROUNDPOINT not giving this information to my attorney they asked to speak to the processor directly. The supervisor XXXX rudely declined this request. WHY??? I am the homeowner and the attorney is working on my behalf. This is unacceptable.

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 2017-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DriveTime
State: FL

Complaint narrative:
My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
FOLLOW UP TO COMPLAINT XXXX of X/X/2017. Further to my telephone call today, I was advised that an insufficient number of offenses have been committed and, therefore, not sufficient to raise the interest of CFPB, which intends to take no action and to offer no protection. The Equal Credit Opportunities Act ( ECOA ) requires that a decision be rendered within thirty days. By their own admission, The Money Source ( TMS ) has failed in this dury. Why did it take so long to recognise the Home Equity Loan, when all the relevant information was readily available? Why the lengthy delay from the time they reversed their decision until TMS issued their Adverse Action Notification? TMS responses have been conflicting, evasive and wholly unacceptable. As a Consumer Protection Bureau, TMS has neither fear of you nor respect for you. I need your protection and action. I need you to live up to your title. Please indicate your intended action. Failing appropriate action, I will have no recourse but to appeal to my Congressman ( XXXX XXXX ) to persuade CFPB to carryout their functions. XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report. My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

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 2017-08-15 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: TX

Complaint narrative:
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a sears credit card. I canceled the account XXXX XXXX on XX/XX/XXXX. I have had the account XXXX XXXX since XX/XX/XXXX. I asked for a refund but no answer back from them. It is provided by Citibank N.A. I have canceled account care with other credit cards and received credit on my accounts. I was never told that if I canceled account XXXX with Citibank I would not receive credit on my account. Thank you XXXX XXXX at 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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting account number XXXX twice as a charge off account to Equifax. On page 23 of the Equifax report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the Equifax report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact XXXX XXXX Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, XXXX XXXX has refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX called me at work about a debt his company bought from XXXX XXXX. It 's the first contact I 've had with them. I do not know if this is legitimate, but being called at work is unacceptable.

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 2017-08-15 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: Columbus Finance Inc.
State: OH

Complaint narrative:
AS OF first Week in XX/XX/XXXX : I 'm seeing XXXX hard inquires on my credit. They are from a car dealer XXXX XXXX XXXX in XXXX Ohio. They asked if I would cosign as backup for a vehicle for my husband. I specifically refused to fill out the application or to sign ANYTHING until they knew if he needed a cosigner or not. They said they would n't run my credit without my signature, I never did sign or fill out this application and they ran my credit twice. Did not bother to call me either to inform me that my credit was ran. I did n't authorize this. I have retrieved the unsigned form one of the banks got for a credit application. Again this is unsigned and, not filled out by me! The bank stated they get them unsigned often. What good is a signature if they run consumers credit without it and especially without consent? XX/XX/XXXX : Update : So I have been fighting this and have called and gotten the run around each place I call. One of the banks however has been very cooperative where as the other has not. The bank that 's been cooperative ( XXXX XXXX XXXX ) emailed the application form that I did not fill out or sign. They are also going to look into mailing me a letter of dissolution which is what XXXX  said I needed. Second bank ( Columbus Finance ) unwilling to work with ME when they pulled MY info keeps saying for me to call the dealer so I just called and spoke with XXXX. Recorded the phone conversation. I feel he was eager to get me off the phone, said he would call me back, I asked when. He said to give them 10 days. He denies pulling my credit, then when I tell him I had the form I actually did not fill out and it was unsigned he said I gave him my DL which is his way at trying to justify that for a credit pull. seriously?! You provide a DL to test drive not to pull credit. They know they were in the wrong, stumbling on words to get me off the phone. The Credits pulls are from XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: TX

Complaint narrative:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Collection on my credit report from company name Credit Collecrion Services which is n't licensed to colle t in state of Florida. Therefore I am disputing the validity of this collection attempt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this 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 2017-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this 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 2017-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
i am trying to submit a loss mitigation application to fay servicing i keep sending forms they want more i send them they say its not fill out right right i know they are ok i ask them to send another form it takes almost two weeks.the account manager is never available its like they kill time until time to take the house, my wife had a XXXX XXXX in XX/XX/XXXX our daughter gave her th XXXX they both had a few problems after XXXX.and my wife have had XXXX XXXX XXXX since medical bills and medicine was so exspensive i had i had to borrow money on the house which we have been in since XX/XX/XXXX.i got a little behind, we can make payments if only give us a chance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Hello, I have USD Wallet in my Coinbase account and I have made three transferences from my bank account ( XXXX XXXX XXXX ) to my Coinbase Account. These transferences were made the X/X/2017 ( {$700.00} ), the second one was X/X/2017 ( {$300.00} ), and the third one the X/X/2017 ( {$2000.00} ). I can see the total amount is in my account but I can not buy or withdraw the money. Each time that I try to move it I get the following message : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn. '' I have provided several times the information that they are requiring but the system does n't recognize it. I have emailed them twice but I have not got any answers from them in a week. I am an XXXX XXXX with an XXXX, and I have a job XXXX XXXX, so I have a Social Security Number. I am hoping that they can verify my identity ASAP, since they were able to verify my identity through my Texas Driver License before. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/2017 I contacted the debt collection agency Portfolio Recovery to ask what creditor does the debt they claimed I owed originally belonged to. I was told they were not obligated to state the original creditors name and continue to ask me to verify it is indeed my debt even though I have no means of knowing of this debt. I was never given a written notice of any said debt. If I indeed owe the debt, I have the right to know who the creditor is and it should be validated to prove in fact it is my debt. Further more, the collection agency Portfolio Recovery is not license in my state ( TN ) to collect.
The negative and wrongfully reported account has been added to all 3 of my credit reports damaging my credit worthiness. The account was added to my credit reports on XX/XX/2017 in the amount of {$570.00}. Can you please assist me in resolving this matter? Thank you

Company response to consumer: Closed with explanation