vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Official Complaint Against : Equifax & XXXX XXXX XXXX ( XXXX ) ( Reason For This Complaint ) I Was Unable to Obtain Credit Due To The XXXX XXXX XXXX XXXX Score Calculation Methodology Equifax Hack & Breach Of Personal Data For People Everywhere Is A Contributing Factor My XXXX XXXX XXXX XXXX Score ( FICO ) Has Been Messed Up Since This ~ It Keeps Showing as XXXX or ( XXXX ) This Is A Huge Problem This ( FICO Score 8 ) System of Calculating People 's Eligibility For Credit Or Lending Is Not Accurate The Research & Facts : The Federal Trade Commission in XXXX Had Ordered a Cease And Decist Order Against Equifax Due To Some Of Their Practices It Can Be Found as PDF on FTC Site As Federal Register / Vol. 60, No. 35 / Wednesday, XX/XX/XXXX / Notices It Appears That Equifax Ignored Key Points Of This Order : It is ordered that Equifax, in connection with the collection, preparation, assembly, maintenance and furnishing of Consumer Reports and Files, forthwith cease and desist from failing to : 1. Maintain reasonable procedures designed to limit the furnishing of Consumer Reports to Subscribers that have Permissible Purposes to receive them under Section 604 of the FCRA, as required by Section 607 ( a ) of the FCRA The FICO score was first introduced in XX/XX/XXXXby XXXX, then called XXXX, XXXX, XXXX XXXX and is based on consumer credit files of the three national credit bureaus : XXXX, Equifax, and XXXX. 

FICO Scores Are Inaccurate For These Two Reasons : 1 ) Equifax Cease And Decist Order Of XXXX 2 ) Equifax Data Leak ( Breach ) Resulting From The Known XX/XX/XXXX Hack People 's FICO Scores Can No Longer Be Accurately Calculated From The Three Sources When One Of The Sources Has Failed I Am Requesting That This Complaint Be Addressed To The Fullest Extent Capable By Your Agency, As Well As Escalated To Other Agencies To Resolve This Matter Equifax & XXXX XXXX XXXX ( XXXX ) XXXX Are In Violation Of : FCRA ( Fair Credit Reporting Act ) + ECOA ( Equal Credit Opportunity Act ) + Failure To Comply With The XXXX Cease & Decist Order

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I made multiple purchases on several occasions in XXXX to a company called XXXX. They charged my bank international fees and every fee was drafted and paid correctly out of my Iberiabank account. Now 2 weeks later XXXX double charged me all those fees again for no reason ; I have not made any recent purchases. Because of this my bank account totaled {$640.00} in the negative. I called Iberia bank and asked why they allowed my account to be double charged and if they would demand the money back from XXXX that was stolen and they said it's not their fault and not their problem. They also said I would be charged {$35.00} per each debit that was overdrafted which now leaves me over {$1000.00} in the negative. I have bills that I desperately need to pay and I can not because my account is so far in the negative. I can not pay for the money that was stolen by XXXX and I don't believe I should have to. My bank should have stopped all the charges because I don't even have overdraft protection.

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 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is falsely reporting to my credit report. They are putting a collection on my Report that is a fraudulent Account. I have sent them a fraud affidavit and a personal statement but they refuse to correct the problem. This account is also closed which I confirmed with the Collection agency. This account was removed last year because the Collection agency closed this fraudulent Account and recognized that the account was not opened under my behalf. Equifax is causing me Financial harm. I was never given any notice before I was re- placed in collections. XXXX has no problem fixing errors right away but Equifax is not the same quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: KY

Complaint narrative:
On XX/XX/XXXX I got alert from Bank that Prestige Financial had tried to draft out {$440.00} out of my account but the amount wasn't there so it was declined. I called to speak with a customer service rep because I never gave them permission to store my card information and keep using. My mom paid her car payment using my card 1 time. They made her have me call to give them permission for use and I told them do not save my information for future use that it was only a 1 time use. The financial place refused to listen to me on XX/XX/XXXX and would not remove my card information until my mom called and told them otherwise. I stated to them that they never had my permission to even store the card information. Again, they refused. My mom called them and told them to remove my card information off that nobody have given them permission. Prestige Financial told my mom that they had removed my card. They lied!!! Today on XX/XX/XXXX XXXX I get another alert saying that my account declined Prestige Financial amount of {$440.00} due to the amount not being on my card. How can I get this stop! They are trying to take my money and the vehicle loan isn't even mine. Nor am I giving them permission to do this. They have been made aware 2 times and still basically they are trying to steal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX came into an account and contract that was owned by XXXX. On XX/XX/XXXX, the account is placed on my credit reports. There is no warning, no letter, and how they have tied this account to my identification is a wonder they still have not explained. I have sent 2 faxes to the fax number attached to their company in Washington. I have also sent 2 letter. I never received a letter informing me of this account because I would have easily been able to disprove it being mine. This is the lone collection on my reports and it has shot my score all the way down. XXXX XXXX has been completely reckless in it's handling of my personal reports. I have no contract to pay XXXX XXXX ANYTHING and they have no legal leg to attempt to collect as well as damage my 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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
XX/XX/XXXX i sent XXXX ETH to a smart contract. On coinbase the status of the order was completed " successfully ". Few day after i check XXXX website i discover my transaction failed. I contacted the owner of the smart contract, he explained to me we can't send money to a smart contract with coinbase but my money is some where in the systeme and i have to contact coinbase to update my account. 

XX/XX/XXXX i opened a case to inform then, i need my private key to unlock my money. 

XX/XX/XXXX i received a content that " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' Case # XXXX. 

Till today i have zero information about my case in the mean time i try to contact coinbase through tweeter but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
There is a {$400.00} utility bill in my name and its at a place i dont live. The bill is not mine. 

It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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:
Experian is the only reporting agency that has not corrected the erroneous information. I have never lived at XXXX XXXX XXXX XXXX, Texas XXXX. They need to run DMV records to confirm. Experian claims XXXX and XXXX XXXX XXXX XXXX is reporting this as my address and it is not correct. XXXX and XXXX has investigated and found that I am correct and the address has never been a place of residence for me. experian needs to do the same and remove this info from my personal info. It is against the FCRA to report inaccurate info.

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 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.

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 2018-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc
State: FL

Complaint narrative:
A representative claiming to be from XXXX XXXX XXXX has tied up the phone line of my work place for over 5 hour on XX/XX/2018 after being told that they need to contact me on my private phone. while talking to them on my cell phone they robo-called the office number continuously. As far as I know I do not owe them anything but they are trying to get me to pay {$780.00} by way of XXXX XXXX cards. I contacted the local sheriff Dept. they advised my it was a scam that a true debt collector would never ask for gift card. 

They claim that if I continue to refuse to pay them they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
On XX/XX/XXXX, Aimloan ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ), a XXXX XXXX based mortgage lender, charged {$450.00} to my credit card to initiate the refinance of my house located in North Carolina. the {$450.00} was an appraisal fee. For months I provided every item of documentation that was requested of me, then on XX/XX/XXXX, 3 months into the loan process, I was told by XXXX XXXX, an Aimloan representative, that I would be required to provide replacement cost insurance coverage for the property, in order for the refinance to fund. 
When the refi process was initiated, I did not have replacement cost coverage. Neither XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX have ever required such coverage on either of the older houses I own, which were built XXXX XXXX. I spent hours on the telephone and took time off from work to try to make this refi happen. My insurance agent contacted representatives from several companies, and I completed several applications, only to find that replacement cost insurance on a dwelling built at the turn of the century is so expensive that lenders do not require it. 
In my case, acquiring such insurance would negate the purpose of the refi, which was twofold. It was indicated to XXXX XXXX of Aimloan at the onset of the refi process, that one purpose of the loan was to save money, and the other was to pay off the mortgage for a second house. 
At the onset, of the refi process, I submitted documentation of my current homeowner 's policy. It was at Aimloan 's request that the payee ( policy owner ) on my North Carolina homeowner 's insurance be changed. The updated certificate of insurance was emailed to XXXX XXXX of Aimloan on XX/XX/XXXX. The bottom line is, Aimloan had my policy in their hands at the onset, but nothing was said about the necessity for me to provide replacement cost insurance until much later in the process. An unreasonable request that no other lender has ever required of me. Aimloan neglected to advise me of this requirement up front, which would have been optimal, but they also had the opportunity to advise me before XX/XX/XXXX, before the appraisal ( my appraisal copy was generated XX/XX/XXXX ). 

It was Aimloans duty to disclose their requirement/policy concerning homeowners insurance at the onset of the refinance process. They failed to do so until after they spent the appraisal fee of {$450.00}, which I paid up front. I continue to await a refund. 

If it will be of help, the loan number from one of the many Rate Lock documents generated by Aimloan concerning this matter is : XXXX [ The attached screenshot shows that Aimloan was in possession of my homeowner 's NC homeowner 's policy before XX/XX/XXXX. Item 4 is a request that my husband 's name be added to the policy ].

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 Bank of America, charged me a late fee of {$25.00} for my account ending in XXXX. I had submitted my payment on the XX/XX/XXXX but kept getting an error message. It said I had to enroll in bill pay. So I had to go to the full site and then use the mobile site to make the payment. This was not a payment I submitted lay but due to a glitche on Bank of America site.

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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then  quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The minimum payment amount for my credit card changed without notification which meant that my scheduled payment did not suffice the minimum. I was then charged a late fee for payment and my minimum payment increased again, I assume because of this " late payment '', all without notification. The late fee pushed my balance over my credit limit and the insufficient payment meant my credit score was affected by the " delinquency ''. During this time, before was aware of this situation, I applied for a personal loan to consolidate this credit card debt to get a better interest rate and stable monthly payment, which would make it easier for me to pay off the debt quickly, and was denied because of this " delinquent payment '' which I don't have any other history of, to my knowledge. Bank of America does not offer a function which allows for you to just always pay the minimum, whatever that may be each month, therefore making their automatic bill payment function basically useless. Also, the late fee I was charged without being notified, which would have allowed me to rectify the payment amount, was more than my minimum payment had been. If they had simply notified me of the increased minimum payment amount I could have covered it and avoided all of this.

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 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. 
On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. 
Today is XX/XX/XXXX. The accounts have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This item just recently appeared on my report Midwest Recovery. I don't have any idea who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Coinbase.com recently had an 'technical error ' resulting in many users having their personal bank accounts that are tied as a payment method to Coinbase deducted in amounts varying from person to person. 

The charges are all posted on XX/XX/2018 Time/amount XXXX - {$50.00} XXXX - {$100.00} XXXX - {$140.00} XXXX - {$220.00} XXXX - {$300.00} As of this report I am now subject to five {$35.00} overdraft fees per day and I'm attempting to work something out with my bank, as these charges will continue daily. 
These charges mirror some of my Coinbase purchases that I previously made. 

Coinbase costumer service has not responded to my inquiry on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was given a student loan in 2007. However it was never sent to my school, it was sent to me, wells fargo never verified through the school the amount of tuition or any financial aid I had received. By law it does not qualify as a student loan.as some of the funds were not used for educational purposes. I was never told all of my payments were going to go to interest and not the principal. I've paid over 18000. On a XXXX loan and still being told I owe XXXX!! This is deceitful and ridiculous not to mention the loan does not qualify as a student loan. This is so beyond wrong! Wells no longer processes student loans this way so when I call no one can help me or knows what I'm talking about. Absolutely horrible.

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 2018-02-16 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported my accounts as open again. 

What can be done here?

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