vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian allows anyone with an email address to obtain another person 's credit freeze pin. With the recent XXXX  hack, all the needed personal information is available to identity thieves. Experian MUST change this procedure and remove the email option. Pins should be mailed not emailed.

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 2017-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s )  sent me late notices in XXXX of XXXX. While I do n't have copies of them I do have copies of a bill from one of  their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly " re-aged this debt '' which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the " hospital collection service '' verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
Honda Financial extended an auto lease for a period of one year for a co-signer without my signature or permission. I was contacted by Honda collections in XXXX XXXX, Indicated I had not authorized this transaction and requested supporting documentation. 

I received by mail a copy of the contract absent of my signature and mostly illegible. Assumed the issue had been closed. 

On XXXX XXXX, XXXX my credit monitoring agency notified me my FICO had dropped from XXXX to XXXX as a result of a 60 day past due, XXXX balance. Notified the three credit reporting agencies and at least one has replied indicating Honda Financial certified the account as mine.

I did not authorized this contract and Honda Financial has not, and will not be able to provide evidence to the contrary. Please advise as to remedy options. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I opened a checking account online with Bank of America on XX/XX/XXXX. In the online application I used a Promo Code for a {$250.00} new account Bonus. The requirements to receive the Bonus were to receive at least two qualifying direct deposits of at least {$250.00}. My account number is XXXX. In XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively, I received two qualifying payroll direct deposits of {$250.00}. Upon meeting their requirements to earn the {$250.00} Bonus, I called Bank of America multiple times. Each time I received a different timeframe and conflicting information. I never got anyone who would investigate and tell me what was going on and when I could expect the Bonus. Each representative would pass the buck and tell me I had to talk to someone else. I was transferred again and again and eventually the place I was transferred to would be closed and I would n't be able to talk to who, according to other bank agents, I needed to talk to. The longest timeframe I received was sixty ( 60 ) business days but this came and went and I still had n't received the {$250.00} new account Bonus. I qualified and was accepted upon using their Incentive code upon opening the checking account with BoA. Now they have dinged me with multiple monthly service fees and are in the process of charging off my 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 monetary relief
Consumer complaint received 2017-09-21 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: CA

Complaint narrative:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND XXXX. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I tell them not to contact me again and they continue to with a different phone #. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a mortgage with Wells Fargo on my coop. I paid it off in XXXX. In XXXX I sold my coop. Wells Fargo lost the original stock Certificate and propriatary lease. My coop required a suriety bond to cover these lost documents. Wells Fargo would only cover my lawyer fees to obtain the admission from Wells Fargo that they lost the documents. 
I was required to obtain the suriety bond myself in order to go to voiding before the contract expired.

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 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XXXX of XXXX. I have now received a collections notice from XXXX XXXX ( PO BOX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As XXXX the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency XXXX services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.

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 2017-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: PA

Complaint narrative:
In the beginning of XXXX XXXX, I borrowed money for business from a company. They said I was preapproved for {$100000.00}. I agreed to take only {$65000.00} at the time. On XXXX XXXX they deposited {$64000.00} to my personal checking account and they sent me a bill for {$72000.00} at 11.99 % APR. The {$8000.00} was added for document fee insurance, and reimbursement fee. I got a call around XXXX XXXX from the company and they said that I left {$35000.00} loan that I was approved and the agent insisted I that I take it. I agreed to take it. They deposited {$34000.00} and sent me a bill for {$40000.00}. I was charged {$5500.00} on document fee, insurance, and other fees. I paid off both loans on XXXX XXXX. They reimbursed me only the reimbursement fee that they addedin the beginning of the loan, which was {$2200.00}. When I researched the complaints that other customers of this particular company made, I learned that the company waives the insurance on the loan, if the borrower has life insurance. But, I was not asked if I had life insurance, which I had. But, they simply added {$4500.00} and {$2400.00} on the first and second loan respectively. Both insurances fees accrued {$1600.00} in interests over the course almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, XXXX AND TRANSUNION. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2017-09-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with coinbase, com from earlier this year ( 2017 ) I have been buying and selling cryptocurrency through their site until recently when i tried to buy bitcoin ( BTC ) through my bank account which had too few funds in it which was a mistake i made. 
Since then i see that when i log into the account my account is set to restricted access and can not buy or sell. Effectively freezing my money deposited in there. 
I have tried to email support, and call the number for help and so far had no reply by either methods. There is now no way I can access them and unfreeze the account. 
I did get through their phone system once - earlier today, and hit '2 ' for a call back. I was called back ( the mans voice was the same as the voice on their 'Please hold ' message. He asked me to hold the line, and the line went dead. He never called me back. Since then I have tried repeatedly to call to no avail. 
Please help. 
I have etherium ( ETH ) coins purchased ( currently valued at around {$4000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
ive recently been trying to get the matter of a debt that was placed on my credit resolved. Due to this debt being falsely placed on my credit report ive tried different options with no success. Ive sent 609 letters asking for them to validate the debt with no luck its been over 4 months with nothing. Recently i called them directly and was transferred to a XXXX XXXX. it was stated that they have no clue how the amount came about and would have to investigate, i was told it would ake 48 hours, 48 hours passed by no update so i called them back only to be notified that they still are investigating where the balance came from. So i asked the rep you guys basically reporting a debt you have no clue about she stated they 're still investigating. I told her this needs to be deleted off of my report because its inaccurate in a nutshell she told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. 
and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: MD

Complaint narrative:
A company identifying itself as ICS continues to call my cell number 3-5 times daily. The company representative hung up on me on XXXX XXXX,2017 at XXXX XXXX EST when I asked why do I continue to receive repeated calls. I verified my name and the number that they continue to call and because I would not verify my address the representative hung up. I called back and requested no further calls be made to my cell. The number the calls are coming from is XXXX a South Dakota number.

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 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed bankruptcy on XXXX XXXX XXXX to protect my house and Wells Fargo Bank foreclosed on XXXX XXXX XXXX and even though I filed bankruptcy they did not stop their activity and went ahead and filed foreclosure on the house on XXXX XXXX XXXX. Wells Fargo 's bank Attorney XXXX XXXX XXXX, whose bar number is XXXX, even though I have a cash buyer for the house XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX denies the cash buyer. They denied the cash buyer, this man is very heartless man. He was still going to court during the bankruptcy, filing motions, doing all the stuff that he was was n't supposed to do even though when a bankruptcy file is in process, all activity should stop and he did not stop. The chapter XXXX case number is XXXX. The property address is XXXX XXXX XXXX court, XXXX XXXX, Florida XXXX. I would like to see justice for what wells Fargo bank has done. Wells Fargo bank number is XXXX XXXX XXXX XXXX. My name is XXXX XXXX and XXXX XXXX is my husband who filed the bankruptcy.

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 2017-09-21 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.Thank you

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 2017-09-21 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: IN

Complaint narrative:
Trans-union had a glitch in their system and they did not notify me any form of contact. The credit inquires needs to be removed from my report. Also, i see several inquires on my report for a car loan. I already had a car and never applied for any car loan last year. It shows I have XXXX inquires from a car application. Please advise.
Thanks

Company response to consumer: Closed with explanation