vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Left many voicemails in regards to collections issues. It was removed afterwards only to be added again. I have disputed this several times previously with all bureaus and CFPB. Both the XXXX XXXX XXXX and the XXXX items. These debts have changed collection agencies too.Have these bureaus provided any correspondence by mail or when they actually attempted to or have spoken with me. They haven't tried to at any time. Its also been disputed with XXXX  XXXX. I have many times with XXXX  and they sent my information back in the name of XXXX XXXX with no reference to the items I disputed and in someone else 's name with my information. Only account standing but no collections information. This has been sold more than once, why cant the bureaus do something about this and I don't understand if I was paying the original creditor how it could be turned over to an agency anyway? I sent a letter regarding the same and they then changed the amount they stated I owed.It also disputed it and had it removed. How can I owe them both? I had many issues with XXXX acct # XXXX and contacted the FCC regarding and was allowed to port my number after the dispute to XXXX. At which time my bill was substantially reduced due to erroneous charges. 

For XXXX # XXXX I contacted the collection service XX/XX/18 and also sent proof of the new insurance with XXXX. I switched from XXXX because declarations were being removed that I hadnt requested, policy increases but no information on and no return calls after two voicemails were left. I notified XXXX before I switched and after they send a premium request on XX/XX/18. I spoke to XXXX in XXXX @ XXXX on XX/XX/18 XXXX XXXX.I advised of having new insurance. I currently don't owe XXXX any monies, so the XXXX they are trying to collect isnt correct. My premium was XXXX, so how do they have the wrong amount as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
To whom it may concern : Borrowers Name : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Our SS # is NOT on file with Ditech per customer service Loan account number w/Ditech : XXXX Concern : HOW CAN WE HAVE A WRITTEN OFF FRAUDULENT LOAN REMOVE that is NOT on any credit report. AND REMOVE A LENDER WHO IS OUT OF BUSINESS FROM OUR DEED AT THE COURTHOUSE. 

Summary : XXXX XXXX was the original 2nd lender on our mortgage 15  yrs ago. ( 80/20 ) Then the debt has been sold several times and then Ditech bought out the last company. The loan was written off in XXXX but Ditech keep sending collection notification and calling trying to collect on $ XXXX so call debt. This debt which was a 2nd loan used to close my home mortgage. We hired an Audit firm to review our original loan documents and there were several discrepancies that were found when our loan was processed/closed. Based on the violations we had the right not to continue to pay the monthly payments on the 1st and 2nd mortgage. The 1st Mortgage servicing company modified our loan due to these discrepancies. Each time when it was sold, we informed the agency who bought the debt as to why we are not paying for a loan that is in violation. So now Ditech is stating they have a make shift lien on my house because since they owned the debt paper. But the deed at the courthouse has the original lender XXXX XXXX on it ( Which no longer exist ). I ask Ditech why don't they put their name on the deed since they owned the debt ( a XXXX from collections ) said that is not good business since?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2019 I called XXXX and ordered a atm for my bank account from bank of America XXXX said it would arrive in 3 to 5 business days Not arrived as of XX/XX/2019 I ha ve had identity theft and us mail theft and. XXXX fraud I need to know where this card is asap..

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 2019-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: LoanHero, Inc
State: LA

Complaint narrative:
I have initially wrote to remove this company however they keep reporting back to my credit. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collectionIssue : Attempts to collect debt not owed

Company response to consumer: Untimely response
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
Approximately XX/XX/XXXX, I tried to use Transferwise to transfer funds of about {$150.00}, to a student in XXXX who is in his last year of college. I have been supporting him so that he can finish and get his degree in Mechanical Engineering. He and I have had an on-going friendship for over a year and I am comfortable with his truthfulness. I feel like I am his mom. We text on a regular basis, and he never has asked me for more than he absolutely needs. In fact, he does not ask at all ... I just send him a little money whenever I wish to help him out. I anticipate no longer needing to send him any money after he graduates in XXXX. I have no doubt he will be able to secure a job. 

Now, I find I can no longer send him any funds and this breaks my heart. There is also a XXXX year old boy in XXXX that is an orphan and lives is an orphanage in XXXX. I have been helping to pay his tuition for the past 2 years. He wishes to become a doctor. He is highly intelligent and I want to see his dreams fulfilled. I am so proud of this teen. 

But, I am barred from sending him any money also. This is not right. The funds are MY money. I don't need the government to " save '' me from myself. 

I am not, nor are the people I support in XXXX, money laundering. I have vetted these young people and am comfortable with their truthfulness. I am extremely careful with whom I make friends with. I want to be able to send them funds for as long as its needed, or at least until they have finished their educations. 

I am requesting your help in this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
I recently discovered a debt from a collections agency when I went to check my credit score. This agency has had two bills from me for a full year and they have never once made any effort to contact me to say that the money was owed. ( I also never even got the bill from the hospital in the first place ) This has absolutely DESTROYED my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
I have a debt of XXXX  XXXX XXXX which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
XXXX contacted a collection agency, Convergent. I have never received a bill from XXXX. I sent a note back to Convergent letting them know this was not by bill. They re-contacted me on XX/XX/XXXX saying to call and contact XXXX. XXXX is requiring to present to them all the documentation but has only provided me with dates of XX/XX/XXXX-XX/XX/XXXX. They are requiring me to provide them lots of personal information to prove I am who I am. They have not offered anything to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
Please remove these accounts. I have been disputing them for a while. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
Please remove these accounts. I have been disputing them for a while. They do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc.
State: VA

Complaint narrative:
Please review the attached documentation and remove the debt as it is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Ive never heard of this company nor did i authorize my credit to be ran. Ive contacted them with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a debt of Bank of America which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.

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 2019-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Hello, I have a couple of issues with my account that needs immediate attention. The first issue was ignited after speaking with credit counseling services. They told me that I needed to hurry up and make payments before interested attaches to my account. His statement was not accurate and really frustrated me because my promotional expiration date was for 60 months. I dont understand how that could have possibly changed because thats what I signed up for during my initial purchase at XXXX. Not to mention its on my XXXX / XXXX statement ( which I have attached ). 

My Second issue has to do with how my payments have been applied to my account. If you look at my XXXX / XXXX statement and compare it to my XXXX / XXXX statement under SUMMARY of Promotional and Standard Balances you will see that Credit Plan # XXXX, XXXX, and XXXX are still somewhat close to what the outstanding balances were in XXXX. Which is odd because there is no interest on these items and they should have all been paid off by now. Especially being that I open this account back in XXXX of XXXX. In addition to that, when you look at the promotion expiration dates on the two statements. My XXXX / XXXX statement states that my promotion ends in year XXXX but my XXXX / XXXX statement says my promotion ended XXXX of XXXX ( which is inaccurate ). Unfortunately, I couldnt go back any further to gather more information due to the limitations of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX XXXX XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX XXXX XXXX and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,

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 2019-07-09 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: GA

Complaint narrative:
I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX  XXXX  XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase closed my account due to a violation of their terms of service. They did not indicate what the violation was. Immediately I lost access to my account and was directed to a page online to have my cryptocurrencies transferred to a different wallet. I followed the process but the funds were not transferred and are still held within Coinbase. I have called and emailed and re-attempted to transfer for days, with no response from customer service. I have no access to my funds and can not retrieve them from Coinbase. They are holding {$4000.00} that I had invested with their service and I have no access to my own money. I did not initiate the account closure and simply wish to withdraw my money, but can not get even a simple reply from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens One Auto Finance located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 XXXX XXXX located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I did a balance transfer with Wells Fargo and Zero Interest. 
Later had to use my credit card for purchases but I made a payment later to cover those purchases and be left only with my balance transfer at zero interest. 
Not using my credit now for several months I noticed I am being charged interest on purchases. When I reached out to wells fargo my call was escalated to a XXXX XXXX caseXXXX. 
He told me payments were allocated to my zero interest balance instead of covering my interest. I told him it was misleading decieving and benefiting wells fargo to allocate my payments to a zero interest and leaving a balance on purchases so they could continue to charge me interest! 
On wells Fargos recorded line he said an accountant would allocate the payments towards my purchases therefore I wouldnt continue to be charged interest. And could start paying down my zero interest balance. 
Now 3 weeks later no one wants to acknowledge what happened, what was promised even though they went back to recordings and heard it all.

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 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Credit card gets declined without warning of any kind even though balance is not even 1/4 th of my credit limit. I have no idea if and or when my card will be declined. Furthermore, after making an ACH payment on my account and supposedly crediting my account they continue to " hold '' payment and not allow card to be used. What and where is my money for 5 or 6 days? Not a single person at Citibank could answer my questions. My agreement says I have an {$11000.00} credit limit but there is no way that can be true if they decline my card with about {$2000.00} in purchases on it ( I pay it off every month )

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 2019-07-09 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 Region Bank located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.

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