vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I contacted Ditech on XXXX regarding my account statement from XX/XX/XXXX, it shows Fire Insurance Coverage. Unfortunately, I tried to email customer service but the representative gave me an invalid email address..I never requested/authorized for fire insurance service. I have a personal loan for this account. In the past, Ditech reported this account as a mortgage loan. I did dispute with credit bureaus. I would an investigation for this issue. 
1 ) Was I charged for this service? If so, how much was the monthly fee? 
2 ) If so, when did service begin and end? Did it begin in XXXX after XXXX transfer? 

3 ) How could this error occur?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase - GDAX. 
On XX/XX/XXXX I initiated a trade on the platform which I have been an active user of since XX/XX/XXXX. When I tried to make a trade I received a notice saying that transactions have been XXXX. My account froze and I am no longer able to access it at all. 
I called customer support and was told that they don't know why, they are Coinbase support and not XXXX but they would escalate it and email me the phone number of XXXX support. The email I received reads as follows : Case # XXXX Hello, and thanks for reaching out. 

Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

You will receive a notification email if were able to restore your purchasing ability. Please note that while these reviews are typically completed within XXXX business days, it can sometimes take longer depending on our current case volume. 

For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility. 

Thank you for your patience and understanding as we complete this review. 

This morning XX/XX/XXXX - I called support again and was told they had no answer. 




As of now - I have no access to the funds in my wallet- ( {$12000.00} ) and I can not get an answer from anyone as to why - when I did nothing out of the ordinary to trigger this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( As shown on my credit report ) hired Southwest Recovery Services ( SOUTHWEST RECOVERY SERVI as shown on my credit report ) to report to all three of the credit agencies in regards to a claim. 

In XX/XX/XXXX a then girlfriend of mine hired the roofing company to perform a service. The service went south and SHE decided not to pay the remaining amount owed. In response the roofing company filed a suit in court ( In or around XX/XX/XXXX. When the suit was filed the above mentioned recovery service called her to take care of the balance. She did not want to pay nor had the money. They then threatened that the roofing company was going to take her home. In addition, they mentioned that I was associated with the account. She said I was not and then called me to let me know what they said. I then called the county courthouse to find out if my name was associated with the case. They said NO, my name was not listed or on any of the documentation filed. I then asked my at this time Ex girlfriend for the contract signed in XX/XX/XXXX for the service. It did not have my name or contact information listed. It is my opinion, in XX/XX/XXXX the company used my license plate information to find out the information. 

I have informed Southwest Recovery Services that this filing was false and fraudulent. They have called me atleast twice a day since receiving my file. They are extremely unhelpful, disrespectful and aggressive. I am concerned about my inaccurate credit score and the nightmare I have experienced.

I received CFPB information from XXXX when I disputed this claim. They are currently working on disputing the information based on what I provided to you all ( CFPB ). I honestly don't understand how Southwest Recovery or  the roofing company received my information and was able to put this false report on my credit without proving ANYTHING!!! 

To support my claim and to validate this concern, I have copies of the agreement for their services ( Shows that I am not associated ) and the court filings that show I am not associated. 

I implore this company to take actions against Southwest Recovery Services in XXXX Texas. I can't imagine how many people they have falsely done this to. Furthermore, XXXX   suggested that I report this to the BBB. I am also filing with them also. 

Thank you for your consideration and hope to hear back soon.

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 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Card ( s ). Sent disputes beginning XX/XX/17. Filed disputes requesting creditor to remove negative items if not reported to the credit reporting agencies in compliance with FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The below information was also sent directly to American Express on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my XXXX account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my XXXX account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted American Express on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my XXXX account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There were upwards of $ 900+ on my XXXX XXXX card. I reported fraudulent charges to my card and they say they would remove them. They were removed and I had a positive balance on my card. I was not sent a new card. I then received a new bill with the charges placed back on it with additional fees. I contacted them and they said they would look into it. Meanwhile I paid to ensure that my credit would not suffer. They claimed to of not received any of these and added more and more fees. I have the copies of the bill pay info from my XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I had initially made two purchases with Coinbase on XX/XX/XXXX ( {$650.00} ) and XX/XX/XXXX ( {$150.00} ), were charged almost immedietly, and had money in my service with them following. Today, XX/XX/XXXX, I was charged these two amounts again as well as international fees of {$1.00} and {$5.00}. These unexpected charges caused my bank to overdraft my account causing me to lose money in overdraft fees. When attempting to contact Coinbase there was no clear way to talk to someone about the issue, I spent more time looking for someone to give me any answers than I did finding actual answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
credit systems international debit recovery put an open charge off with no bill ever from 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX Coinbase started charging my bank account through my debit card multiple times for old transactions. I was put several hundred dollars in debt and can no longer pay my bills. They refunded some of the charges but not all, and I still have a ludicrous amount of courtesy pay charges thanks to this behavior. This kept happening following the next day and is still happening today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a CERTIFIED MAIL DEBT VALIDATION letter to XXXX XXXX XXXX requesting that they VALIDATE NOT verify a debt that they are attempting to collect from me. I specifically asked for a singed agreement and other supporting documentation. They provided me with account summary which does not prove i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted asap. I have no obligation and or contract with them at all. They have failed to provide proper documentation in the 30 days also. They have failed to show me a sign document where i have applied and sign for it also. 15 U.S. Code 1692c states ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given any company above written consent to contact me about alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I use their user interface trading platform, and am in compliance with all of their terms of service. Yesterday, unexpectedly and without notice, I was denied access to my account when has quite a large sum of money. After noticing the problem I immediately phoned the support number given was was only told that they acknowledge my problem, apologized, and said someone would contact me shortly. After waiting for my issue to be resolved, I phoned the support line again, spoke with a supervisor who stated that I must wait on a " specialist '' to resolve my issue. Since then, customer report has been unresponsive to my attempts to contact them. I am at risk of losing a considerable amount of money due to the misfeasance by this company and have been robbed of the control over my funds and assets. For the company 's reference, by original Case ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I requested a signed agreement and other supporting documentation. They in return provided me with billing statements which does not prove that I am obligated to pay them. They have/are reporting delinquent information to the credit bureaus which I am asking to be deleted. Documents are attached.

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 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The below information was also sent directly to XXXX XXXX on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my XXXX card. I was informed by several agents both with XXXX Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my Transunion account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my TransUnion account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to  understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my TransUnion account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

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 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called the customer hotline on Thursday ; XX/XX/2017. I paid off 50 % of the total debt with the credit card company. I mentioned that the reason I was in excess debt was that I had financial hardship in XX/XX/2017 for losing my job and I was also injured in car accident that made it difficult to work certain jobs. Now that I am working a lot more, my goal at the moment is to completely pay off the debt, but my interest is high and the payments are very high as well. I asked if they can lower my interest rate and payments so that I can pay off my debt with them but the representative said that they will not help me in this matter and to just pay more per month to finish paying the debt off. My previous statement I owed {$5500.00} and now I only owe {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I authorized two charges on XX/XX/XXXX for Ethereum ( a cryptocurrency ), for {$500.00} and {$120.00}. On XX/XX/XXXX, those charges were made AGAIN to my account, without my authorization, and with no products delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against EOS CCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: AR

Complaint narrative:
I contacted this company in XX/XX/2017 requesting validation for this account. This is NOT my account. I have never owned a credit card and have no intentions of ever getting one. Is company will not remove this false information from my credit, as I have previously requested. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.

Company response to consumer: Closed with explanation