vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: OR

Complaint narrative:
HX : XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX erroneously reported on a XXXX to myself and my husband, one of the escrow disbursements as non employee compensation. The other insurance escrow disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them. At the time of notice from the IRS I sent the IRS documentation regarding that income. They then needed verification from XXXX XXXX XXXX and when I reached out to them in XXXX I was told that it was reported correctly, that I needed to consult my tax preparer and refused to allow me to speak to anyone other than their customer care department and refused me access to a supervisor and did call me per my request. I then filed a complaint with you and got a response. However, the IRS never received the updated XXXX with the corrected information. I did receive a letter from them outlining their mistake and forwarded that to the IRS. However in the absence of the XXXX that they clearly stated they would provide a Judgement has been made by the IRS and I now owe {$30.00}, XXXX in taxes. I never did receive a copy of the corrected XXXX and apparently the IRS did n't either. So here I am again filing a complaint. It appears I now have to challenge this in the US tax court. This issue has required a significant amount of time, energy and angst. Their unwillingness to resolve this problem is not only frustrating but unacceptable. The lack of follow through is shameful. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue. I will happily fax the most recent notice from the IRS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: NY

Complaint narrative:
I was offered a Credit Card with no interest until XXXX of 2017. I was charged interest starting in XXXX of 2017. When I realized in XXXX that they were now charging me interest, I immediately paid off the card and asked for them to remove the interest charges. I 'm XXXX years old, an invalid, and my sole source of income is from Social Security. I got their card because there was no interest until XXXX of 2017.  Now they wo n't cooperate and remove the bogus interest charges. I closed the account and I plan on paying NOTHING more to Citibank. I 'm in contact with the Area On Aging 's lawyer and I am NOT paying those BOGUS interest charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning : I am writing today to express my frustrations in trying to remove unrecognized and likely fraudulent information on my consumer file. I have been a victim of identity theft after my information was exposed in a databreach and have previously requested my consumer file and disputed information with Early Warning but have not received a response to my requests. Specifically, California and Federal law requires Early Warning to provide me with the records, documents, and actions that Early Warning relied upon in making a decision in response to a dispute. However, Early Warning has not provided me with the requested documents and has not acknowledge my letters requesting more information or another copy of my consumer file. Specifically, for the purpose of this CFPB complaint, I am formally demanding that Early Warning provide me with all the records, documents, and actions relied upon to make a determination in case numbers XXXX and XXXX. Furthermore, please provide me with a complete and up to date copy of my consumer file and an explanation as to why my previous requests for these documents have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: NY

Complaint narrative:
I signed up for XXXX cable and internet services in XXXX 2016. I called and cancelled before they could come and install anything because I found a better deal at XXXX. I check my credit report and XXXX sent me to collections for installment equipment they supposedly sent to my house which I never received. I called them. They told me to file a claim with XXXX which I did. Claim was issued and approved. XXXX still wo n't take their hit off my credit report

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 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I lost my job few months ago. A representative from Kays Jewelers called and offered me a hardship plan IF I paid a specific amount by a certain date. I explained I did not have the amount and was told they would send me information in the mail to help until I started working. Instead, they call me EVERYDAY, ALL DAY from different phone numbers. They have even called my old place of employment and a relative. It 's always someone on the other end eith zero sympathy and recently threatened to take legal action ( I have several conversations recorded ). I told the representative that called me multiple times a day ( upwards of 10 ) was harassment. They do not care! It 's not only embarrassing, but it is a situation that has caused my anxiety and stress levels to skyrocket because I do n't know what tactics they are going to use next.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
On XXXX XXXX 2017, filed extension with court to continue abusive collection proceedings under false claim that they had obtained new service address. I offer proof they have had my correct address since before XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The bank from Victoria Secret card has called me at least 5 times a day. I told them I wo n't have the money and they call around XXXX repeatedly al day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Collection Agency Reported to XXXX Credit Bureau ( Below is the information Reported by the collection agency : Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : ERC XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$120.00} Date of 1 st Delinquency : XX/XX/XXXXBalance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information THIS IS A FALSE CLAIM THAT I OWE ERC XXXX XXXX OR ANY OF THEIR SERVICES AN AMOUNT. I HAVE NEVER REQUESTED THEIR SERVICES NOR DO I KNOW OF THIS ACCOUNT. I have already tried to contact the collection agency back in XX/XX/XXXX providing them with my full name and my address, but the collection agency refused to give me detailed information unless i provided them with my Date of Birth and Social Security. The collection agency also refused to give me their full name of the rep i was talking to and the Rep hang up the phone on me. I also disputed this account on XX/XX/XXXX to XXXX Credit Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Effective XX/XX/XXXX i was sent an escrow analysis stating that i have a XXXX, XXXX dollars escrow shortage, and that my city taxes were raised now from XXXX dollars monthly to XXXX dollars monthly, bringing my monthly mortgage payment to XXXX, XXXX. XXXX. I was originally paying XXXX dollars monthly. My township stated tht my mortage lender only paidapproximately 7000 dollars in taxes for XX/XX/XXXX. However my bank is saying that they paid them approximately11,000 dollars for XX/XX/XXXXresulting in me having to pay this. I can not afford my mortage payments anymore because my escow was so severly mismanaged. Iam the only tenant in my building whose taxes were raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank closed my account mid XXXX. I owed them some overdraft & since I had n't opened another account with another bank yet, with my first pay, I decided to send part of my direct deposit of about {$89.00} to cover what I owed them. I called few days later, early XX/XX/XXXX, & USAA informed me they received the money & after spending over an hour on the phone with them, they informed me my check will be sent to my updated address & I would receive it within 7-10 bussiness days. I waited. 7 days later I received their fliers, no check. 30 days later, I called them again, I spent about an hour being transferred with absolutely no resolution. They said they sent the check & I should be patient & give it time. I waited, I continued to receive fliers & advertisement stuff, no check. I called them in XX/XX/XXXX, I hang up for being put on hold for over 10 min bc I was at work. I called them in XXXX after I moved to update my address & follow up on the check. Once again, I was on the line with them for over an hour. I was transferred & sometimes had to wait on hold for so long. Finally they told me that my check was returned to them in XX/XX/XXXX. I asked why & they did n't know why. I received everything else they sent but the check. I called them twice before & no one told me this. So then I had to wait longer on the phone for them to send me another check. They said I would receive it within 7-10 business days. 10 business days ended on XX/XX/XXXX. I called them first week of XXXX, they told me, it could be held up somewhere to continue to wait. Once again, I 've received their fliers & stuff & no check. I contacted them again but had to hang up after being put on hold for over 10min. I had explained to them I could n't hold for long since I was at work. While I had a good relationship with USAA as a customer, this experience has completely has changed my opinion of them. Please help me get my few extra funds back as this is the only way I will receive them. Its been almost a year & all I get from USAA are nothing but waste of time on the phone and lies. Why I continue to receive their advertisement fliers but not my check is beyond me. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I have been verified on coinbase.com for weeks and have been able to buy and transfer money to the website. I now wish to sell some of my digital currency but coinbase is asking me to verify information. I do so and i get an error saying I can not be verified. This effectively locks me out of my money even though I have already been verified. Now coinbase is failing to respond to emails and I am not alone in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I had a payday loan with Big Picture Loans. I did a debt consolidation through my credit union. I spoke with a customer service rep who gave me the payoff balance. A payment in full was sent and received by Big Picture Loan on XXXX XXXX, 2017. They are still trying to withdraw money from my account. They state I needed to sign over Power of Attorney to my bank in order to payoff my account. There is nothing about any Power of Attorney during early payoff in my loan documents and my bank has never heard of anything so ridiculous as signing over Power of Attorney to them so I can payoff my loan out of my own account. My loan with Big Picture Loans is paid in full and they 're still trying to take money out of my account!! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: AL

Complaint narrative:
Equifax is " updating '' information on my credit report, making it appear more negative and harder for me to obtain credit and productively live my life. I have been recently denied numerous times due to incorrect information on my credit report. I have asked repeatedly for verification of each account and to this date, I have not received any from Equifax. All I get is generic responses of " this item has been verified ''. Equifax has not shown any of the following accounts to be verified and truly owned by me : XXXX, ( XXXX ) XXXX XXXX ( sometimes listed as XXXX ), XXXX XXXX ( sometimes listed as XXXX XXXX XXXX ), XXXX/XXXX, and late payments from XXXX XXXX XXXX. These accounts have been removed and readded without my knowledge to my credit report more than a few times and I would like them deleted once and for all to never be readded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Current debt collector is Credence RM. This was submitted to them for collection by XXXX XXXX XXXX. This is probably the 3rd or 4th collector. This has been removed from my credit report multible times yet only to reappear. The original dispute was for a cell phone purchased from XXXX & XXXX They sold me a phone knowing they did not have coverage in the area at the time ... not sure if there is coverage now..do n't think so. I have a written transcript from XXXX XXXX XXXX guaranteeing coverage in that area. When I could n't use phone I cancelled plan and the bill they are trying to collect is for cancellation fee. This is uite ridculous to sell a product knowing you ca n't use it!

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