vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX XXXX XXXX XXXX XXXX   and Diversified Consultants, Inc. XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of XXXX XXXX Contract and Billing ; not providing me with a written wet contract when asked ; unauthorized use and fraud of my digital signature ; providing only a Ipad contract which I don't own a XXXX, and Double Billing Fraud. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the four time I've asked CFBP for information of reported debt filled by XXXX, and they wouldn't respond ether to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from their other collection agents, that looks like junk mail in my junk mail this one is for addressing is from Diversified Consultants , Inc. XXXX saying XXXX has filled a Debt Claim. If XXXX doesn't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service contract process. XXXX is using double billing and triple collection agency business practices buy using three separate collection agency which is against Federal and State laws. 

I'm asking XXXX and Diversified Consultants, Inc. XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX XXXX ) example. The Agents names, titles, contact information of XXXX Executive & Regulatory Services department or the department responsible for overseeing debt collection and all legal contract matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I applied for a {$300.00} loan on XX/XX/XXXX. I was sent a payment schedule to pay off the amount. However, my payment due was over {$1000.00}. I had no idea that my balance would be that much. I only recall making one payment because I was in between jobs. On Thursday XX/XX/XXXX I spoke to XXXX XXXX  who told me that my remaining balance is now in her hands, She told me that I would have to pay a balance of {$700.00}, I told her that I don't have the money to pay and I wouldn't have it for another week but I just lost my job. I am not able to pay the entire {$700.00}. I can only afford to pay the amount of {$300.00} which is the amount that I borrowed and they are not trying to work with me at understanding my financial hardship. This company has several complaints against them through the XXXX XXXX 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 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX. 

I feel that charging interest and late fees without any notice is unfair and deceptive practice. 

I have checked my inbox, spam file and trash file in my email to verify that no notice was received. 

I spoke with Customer Service who refused to rectify the problem.

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 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
XXXX XXXX of Guaranteed Rate discriminated against me because of my XXXX, my income from a XXXX, my income from employment, my race, my ethnicity, my national origin, between the dates of XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I have been a customer of coinbase for more than 4 years. Trading on my account has been disabled for nearly a month and Coinbase refuses to provide me with a reasonable response or any instructions on what I can do to resolve the issue -- -all of their responses are simply that they will talk to a specialist and get back to me. I had about {$130000.00} in USD in their service at the time and wanted to buy Bitcoin at the price of {$6700.00} on XX/XX/XXXX but my account was disabled and I was unable to buy. It has remained disabled since then, costing me more opportunities to purchase bitcoin at low prices, and now that Bitcoin has risen to over {$9500.00}, their negligence has cost me a great deal of money. 

On XX/XX/XXXX they contacted me to inform me of strange account activity. I am a US citizen but I live in XXXX part of the year and work remotely for clients in the US. Thus I log in to the service from both countries, which was marked as suspicious in my account. 

I didn't see the email, as I was on vacation. On XX/XX/XXXX, they sent an email to inform me that my account would be disabled since I had not responded and they were awaiting my response. 3 days later, on XX/XX/XXXX, I responded with all of the details I requested. They said they would confer with a specialist ; my account remained disabled. 

I have contacted them numerous times on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they finally responded saying that they are investigating the issue. I have heard nothing since then even though I have contacted them a number of times since. 

To make matters worse, they only allow withdrawals in the amount of XXXX USD per day, so I haven't been able to move all of my funds -- -so far I have only withdrawn XXXX USD. I would have transferred all of the funds to another service had they allowed me to. I requested an increase of the withdrawal limit in early XX/XX/XXXXbut they refused the increase. They have given me no recourse. 

I have attached my conversations with Coinbase as a PDF document for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP
State: NY

Complaint narrative:
This is regarding Key Bank who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: FL

Complaint narrative:
on XX/XX/XXXX i reviewed my credit report an noticed that my dispute reinvestigation dated XX/XX/XXXX was completed and the the inaccurate reported public record [ bankruptcy chapterXXXX ] was verified an remained on my file i contact transunion and spoke with a rep as well as a supervisor and pointed out the documents i mailed in which discredits there verification of this public record and i was told they would reinvestigate if i wanted them to when i clearly proven they couldnt have done there job an remove this from my file its a clear violation of the fcra to keep reporting this i also wrote them and ask for method of verification and had not received anything after i mentioned it to the supervisor i was told she would do a phone verification of the record to satisfy my concerns but stated if she was unable to get the clerk of the court to verify the item would still remain i dont understand how they can get away with this and im demanding deletion of this record of my file

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 2018-04-25 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Last year I went looking at open houses and had no intention of buying a home. 
I have never inquired about a loan or gave my social security number but somehow it was obtained by a leader at the place I was working at and had to quit because I got an injury. That same month I got a call on a phone that only work had by a man who claimed to be a Sheriff with XXXX County Sheriff Department and told me he was told I was an XXXX XXXX. This leader name was XXXX XXXX. Suddenly I was getting calls on the phone from lenders. They claimed I filled out applications for mortgages which I never did and XXXX XXXX wife worked in a rental office where she was able to run credits inquires on anyone. I found this XXXX/quicken Inquiry from XX/XX/2017 I never applied to them I called them and they refused to remove my name. All my homes I have ever bought I paid cash for or my first home I paid off the mortgage in 15 years and lived there for 26 years. I turned off all my credit cards after my husband died. I know my ID was stolen and it's now on the black web.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXXfor misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

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 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
high rate interest 12.99 % .account number. Monthly payment XXXX. Daily interest {$1.00}. Collateral XXXX XXXX XXXX XXXX. Is too much inyerest .I colled many times for reduce interest rate but no happen nothing.Wells Fargo dealer service

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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
The company XXXX XXXX attempted to collect on a debt that was not mine and could not be legally validated pursuant to the FDCPA. This company has utilized two different collection agencies for an alleged account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on TransUnion saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX  and TransUnion should have some blame as well because dates and amounts don't line up and TransUnion was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..

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 2018-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel Equifax, XXXX  and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, Experian and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..

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