vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The week of XX/XX/XXXX XXXX XXXX called my work and I told them that this is my work and I was not allowed personal phone calls. The caller keep trying to talk and I told him again that this is my work I am not allowed personal phone calls and again he still tried to keep talking so I hung up. Today XX/XX/XXXX they called again at my work and I told them they called last week and I told them not to call this number it was my work and I am not allowed to receive personal phone calls. She the caller keep talking and I told her not to call this number it was my work and she said she could call this number and I told her it was against the law and she told me it was not against the law and she can call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.

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 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
CoinBase I tried to withdraw XXXX from coinbase to binance. It should be verified within 30 min. However, after several hours, current status in still in pending with 0 verification. I also tried to verify my identity numerous of time during the last several months, so I can withdraw the invested money. However, coinbase failed to verify the information despite all the information had been provided. Now, I would like to transfer everything out of coinbase and close my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: TX

Complaint narrative:
My husband and I closed on our VA Mortgage with Eagle Home Mortgage on XXXX XXXX, 2017. We have a close agreement to provide pay stubs from my husbands job at XXXX for the week ending XX/XX/XXXX and XX/XX/XXXX. During the loan process prior to closing the first pay stub submitted for evidence was in PDF format because my husband had a paper check that week. The following weeks we sent a screen shot from his computer at work instead of a PDF copy. I asked the loan processor if it was acceptable and she said yes. All pay stubs after were sent as a screen shot from his work computer and sent on time per the agreement. 
My husband is in training in his job. He does not have his own computer. The computer he does use does not have the ability to print, or convert to PDF, or email. After closing, Eagle Home Mortgage has been telling us we are not meeting our agreement by not providing PDF copies. In the signed agreement it does not state the format has to be PDF and I asked several times for them to point me to the regulatory requirement that says the statement has to be printed in PDF.  My husband also suffers from a XXXX XXXX XXXX from XXXX and while Eagle Home Mortgage may think they are providing simple instructions, it does not work that way with his XXXX. Also, if Eagle Home Mortgage required the paystubs in a specific format, that should have been clearly stated in their agreement and not left open for interpretation. When working with people with XXXX XXXX you have to be very specific on the ask or the individual reading it does not understand. I believe they also may be in violation of the Americans with XXXX  Act by not providing an agreement in clear,  usable format for his XXXX. 
Eagle Home Mortgage is going down the process of saying we are not meeting the agreement and will take action to force us to default on our mortgage loan by requiring the balance to be paid for in full immediately. What seems to be happening at Eagle Home Mortgage is my file was selected for a quality control review. The loan processor failed to follow their internal policies with the format of paystubs and rather than taking the hit on not meeting their own requirements, they are penalizing my husband and I for their mistake.

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 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I checked my credit report and saw that XXXX XXXX XXXX was reporting that I owed XXXX {$200.00}. I contacted them by mail to validate the debt. They did not provide legitimate proof all that was provided was a final bill statement. I contacted CCS and asked the customer service rep how the debt was validated - she stated by name and address. 

I paid my final bill for XXXX when I switched over to XXXX on XX/XX/XXXX after my renewal premium with XXXX went it up. The only notice I got from them was for a renewal amount and that was to be paid if I chose to renew my policy with them. That amount was {$550.00} I joined XXXX on XX/XX/XXXX. 

So, I 'm at a lost as to how I owe XXXX/XXXX XXXX XXXX XXXX I did my part by contacting XXXX and letting them know that I wo n't be continuing service with them. If something was lost in translation during that time that 's not my fault as XXXX was the one who dropped the ball. 

I have statements for all my payments to XXXX and I 'm asking for full validation, because its been two years and XX/XX/XXXX was the first I 'm hearing that I owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Starting yesterday, XX/XX/XXXX, I received a call from ( XXXX ) XXXX. I did n't answer it, but looked up the number. It came from XXXX XXXX XXXX, who are notorious for attending to collect on " zombie debt '' that has been sold to them and was written off many years ago. I received another call this morning, XX/XX/XXXX,  and again did not answer it. This relates to a small ( less than {$200.00} ) debt that I disputed at the time, refused to pay, and was long ago written off by the company. 

Please inform XXXX that they are legally not allowed to harass me about this matter. I will be sending them a certified letter with return receipt stating the same thing. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Service Bureau, Inc.
State: IA

Complaint narrative:
XXXX Account Number XXXX I have disputed this alleged " debt '' of {$810.00} ( which I absolutely do not owe ), in writing, and in response to repeated phone calls, since XXXX 2017. XXXX does not acknowledge I dispute the debt and just keep calling. I have told them I do not owe it and will not pay it. I have contact XXXX XXXX XXXX ( creditor ) several times, as well as my insurance company ( XXXX XXXX XXXX XXXX XXXX ), at least 10 times, telling them the " debt '' is a result of THEIR mistake in processing the claim, and that I will not pay it. It 's bad faith, and it 's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
my dredit file have been de fade from Equifax, all my account has disappear, I have not credit in equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I have inquiries from companies I did not authorize. I went to one location ( XXXX XXXX ) and the business decided to run my credit multiple times on XXXX XXXX, 2017. I had a horrible experience to begin with that they have not rectified either. The main purpose of this is that they had put numerous inquiries on my report that were not authorized. I did not authorize them to shop multiple companies, only XXXX XXXX for financing. They have hurt my credit score and have no remorse for what they have done. I have spoken to their executive assistant, XXXX XXXX. On social media and XXXX reviews, they portray a concerned business wanting to make everything right by the customer, but when it came time to XXXX did not do anything. She has not called me back since my 2nd-3rd call. Until this day I have no received a phone call back from XXXX with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Credit card account from USAA has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this USAA and to come to an understanding to resolve the issue. A resolution has not been met. USAA has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. 

I do not wish to establish any credit card account with USAA. Please see attachment regarding unsigned authorization to re-establish the account on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request for Transunion, XXXX, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What Transunion decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!

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 2017-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I received my Department of Veteran 's affairs XXXX determination XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. Thus, I am exempt from paying property taxes on my primary residence in the state of Texas. 

I have contacted Freedom Mortgage several times in regards to the retroactive escrow adjustment, and to adjust my monthly payment amount to include the tax exemption. They have not adjusted the balances on my account, and as a result they are continually harassing me for a XXXX XXXX payment that is grossly inaccurate.

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 2017-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! 
Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I accumulate points for every dollar I spend on the card, I am supposed to get a XXXX gift card at the end of every year. I have not received the gift card in a couple years and when I called in they could not locate an account even though I have a card, and receive statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

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 2017-12-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

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