vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I used my checking account with Wells Fargo to make two transactions ( {$300.00} per transaction ) via XXXX on XX/XX/2018. I was buying golf tickets on XXXX and seller wanted for me to transfer money through XXXX. Tickets were fake and Wells Fargo has refused to do anything about 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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Purchased a new XXXX vehicle in late XX/XX/XXXX. Loan was provided by XXXX XXXX XXXX XXXX. 15 Years has elapsed since the loan was taken out, and the loan was paid in full. I am selling the vehicle, but unable to locate the title. DMV requuires Letter of Lien Release. Charter One is now defunct. It was apparently taken over by Citizens One / Citizens Bank per the FDIC website Tried using their " MyTitleSuppor : title service on XX/XX/XXXX,  which is unable to find the title. Tried calling Citizens Bank and they are unable to find the vehicle in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They have called 3 days in a row I asked them to stop calling me I explained I am XXXX and in foreclosure and will be filing bankruptcy They said they will note the file. The 2nd day they hung up on me when I tried to explain what happened the first call. Today they threaten me with wage garnishment bank garnishment. I tried to tell him to read the note from the first call he would not listen. I cursed him out with stop calling me. They have called 3 days in a row and get more persistent. each time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from XXXX or Experian, despite writing 2 follow-up letters.

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 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed two of my credit cards accounts without issuing any warning, sending any email, or a letter to me. Capital One accused me of attempting to make fraudulent transactions. I made an online payment on XX/XX/XXXX however due to the high amount of {$2400.00}, my bank did not pay Capital One and the ACH was returned on XX/XX/XXXX. However, on Monday, XX/XX/XXXX, I mailed a paper check for the same amount. The check was received by Capital One on XX/XX/XXXX and it was posted to the account the same day. 
XXXX XXXX Payment from Mail Payment- {$2400.00} Posted : Thu, XXXX XXXX, XXXX Method : Mail Confirmation Code : XXXX Then on XX/XX/XXXX, I made another payment of {$67.00}. 

Capital One without contacting me, issuing any notice, just closes my account. I called their customer service line and explained the problem, they refused to re-open the account. I explained if it was intentional of me to make a blank payment and commit fraud, I would not have mailed the paper check which was not returned by my bank, was paid by my bank, and the transaction was posted in the Capital one credit card account. 

In addition, Capital One closed a second credit card which did not have anything to do with the first credit card. When I called, the representative told me it is the system. I said it can not be system since I have three credit cards with Capital One. If Capital One is accusing juging the return online payment as fraudulent, they should have closed all three accounts. Such bad business practices from Capital One is going to ruin my credit. I never made any late payments on the credit cards, thus Capital One refused to re-open the two accounts for me. Such companies like Capital One should be investigated further for malicious business practices. This credit card companies do not care about consumers. They are just to destroy people and make us go to XXXX and XXXX. 

Now, my credit score will lose a lot of points. Capital One never email me and I found out that the two accounts are closed today XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} not mine XXXX XXXX XXXX XXXX {$760.00} not mine XXXX XXXX XXXX XXXX {$400.00} not mine XXXX not mine

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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information. 
We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - {$99.00} XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$89.00} XXXX XXXX XXXX FL XXXX All these locations committed fraud, I've never been to these location. Wells Fargo confirmed that I as a client have no history in any of these locations. But they only refunded the first incident of this, and told me I'm out of luck with the other ones. Even though it is in their 'notes ' that I'm not at fault 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
Consumer complaint received 2018-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from Equifax or XXXX, despite writing 2 follow-up letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The account is 3 years old. Ive paid it off while settling. Was told in XX/XX/XXXX that the account will be deleted and updated to the credit bureaus. XX/XX/XXXX the account says a XXXX balance but Portfolio Recovery wont provide a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Loan # XXXX Lakeview Loan Servicing XX/XX/XXXX I submitted a request to have my Escrow property tax payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. The adjustment would affect my property taxes by approximately $ 400- {$500.00} per year. If the servicer has a concern about the documents I presented, they can check the Property Appraiser 's Website. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I would also like to know if I can receive interest on my money that is being held in their escrow accounts. I do not wish to speculate but this might be the reason why they are trying to force me to put more money into my escrow account than is necessary.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Debt Group of NY
State: MT

Complaint narrative:
I am a certified XXXX XXXX working for a non-profit. Over my years spent XXXX clients, I have witnessed several clients, especially seniors, being taken advantage of by XXXX XXXX XXXX. They do not explain the terms of the contract in terms that the consumer can understand. I often see that they allow their accounts to fall seriously past due before they even contact them to notify them of the client 's enrollment or to " negotiate '' a settlement. 

From what I gather, XXXX XXXX XXXX takes money directly from their checking or savings account, and holds it in an escrow account until there is enough to " negotiate with creditors '' Meanwhile, they let the client 's credit accounts go delinquent for several months or years, thus destroying their credit. I imagine they do this to condition the creditors to accept settlement easier. In the case of seniors living solely off social security, National Debt as well as the creditors know that they can not garnish those types of earnings. It also seems that they only pay one creditor at a time. I called several times to get information on how exactly they use they money they receive from the client to pay their various creditors, and did not get any answers. The reps I spoke with directed all of my questions to their website. 

I have called the company to have the terms and service works. It is incredibly high pressure and incredibly difficult to get clear answers from direct questions. They are very good at " spin ''. 

Also, they claim to be very well reviewed and highly rated with the XXXX. After several internet searches, it seems like the reviews are incredibly polarizing ( love or hate ), without middle of the road reviews. One site either has all rave reviews and others are all negative. The language used in the reviews is incredibly repetitive and there are very few spelling or grammatical errors contained within the positive reviews.This is a major concern because it is my belief that many of these " great '' reviews are in fact false, fraudulent, do not pertain to the services they specifically offer, or are paid content. It seems that the reviews are sometimes reflective of the customer service they received on the phone, but not to the entirety of the debt relief services. The ability to control the market through carefully manipulated internet analytics is a growing concern to all consumers and needs to be addressed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Here are the two inquires that I don't recognize and have nothing to do with them 1 ) New tradeline by XXXX, business type N/A to Experian on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2 ) New inquiry by XXXX to Experian XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - nonspecific I got the information from my XXXX XXXX web page account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!

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 2018-05-01 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:
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us! 
I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else! 
They have no right to deal with my life and business! They are database and personal information thieves!!! 
I see them responsible for any damage that may or may be caused to me! 
The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you! 
I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information! 

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I called the debt collector to figure out what was the amount of debt in my account but did not match what I am currently seeing under XXXX XXXX. They argued that I will have to pay the amount they are showing regardless and I refused because under FDCPA Section 807 ( 2 ) they Misrepresenting the character amount, or legal status of the debt. I asked for my account # because I wanted to start a dispute using XXXX XXXX and they question me on why I needed it with an attitude. The debt collector then said " I make sure to put the new debt on your credit report so you have no other choice other than to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I received notification that my COINBASE password was trying to be changed. This was an unauthorized action. I immediately called COINBASE support who 1 ) validated the correct amount of funds were present, 2 ) the LOCKED MY ACCOUNT pending an Investigation. A few days later COINBASE sent me a list of questions verifying the dates and amounts of all my transactions which I sent back to them. I called a few days later to get an update as to the status of my LOCKED account and was told COINBASE has the right to lock my account for 45 days to conduct an analysis of my situation. I checked the user agreement AND NO SUCH RIGHT EXISTS OR WAS AGREED TO!!! I have tried calling COINBASE customer support to 1 ) get them to UNLOCK my account 2 ) acquire information on the status of the inquiry .... customer help is USELESS and they remain in control of my funds ( earning interest NO DOUBT ) under the FALSE and DECEPTIVE right they may LOCK my account for 45 days. I have threatened legal action ( true ... ) and written DIRECTLY to the CEO. I have received NO RESPONSE and my account remains LOCKED. I find this degree of deception and thievery unconscionable. COINBASE should be closed by the authorities at once! I want my funds and want to close my account ASAP. My case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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:
Equifax has repeatedly refuse to delete hard credit inquires on my credit report stating that credit inquiries are a matter of factual data

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I had purchased an item from XXXX XXXX XXXX XXXX Through their on-line store using my American Express card and never received my merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MacDowell & Associates, Ltd.
State: AL

Complaint narrative:
The amount that was sent to me by the company after I turned my lease in early was for {$8000.00} and Ive paid them at least {$2000.00}. My mother was the co signer and she included them in her bankruptcy so there are 5 more years left before I owe them if the statute of limitations are not up on it. They have called and threatened to sue, they placed an illegal lean on my mothers house before her bankruptcy that had to be removed by our lawyers and now they are contact me again and dinged my credit for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My HELOC was apparently sold by GMAC to OCWEN. A lien placed on my property and I and the title company that is working with my request for refinancing can not locate anyone to make payments to or otherwise clear the lien. 
Moreover I was told the true name of that lien holder was XXXX. 
This all occurred inXX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation